| Metric | Geauga Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +3.9% | +7.3 pts |
| Share growth (YoY) | +10.6% | +3.3% | +7.3 pts |
| Loan growth (YoY) | +14.5% | +2.9% | +11.5 pts |
| ROA | 2.01% | 0.69% | +1.3 pts |
| ROE | 20.2% | 5.9% | +14.2 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.6M | $96.3M | $73.9M | $10.8M | $542K | 2.01% | 3.23% | 4.49% | 7,030 |
| Q4 2025 | $107.9M | $97.1M | $72.7M | $10.2M | $888K | 0.82% | 3.27% | 3.51% | 6,960 |
| Q3 2025 | $108.6M | $98.1M | $69.7M | $9.8M | $521K | 0.64% | 3.19% | 3.73% | 6,875 |
| Q2 2025 | $105.0M | $95.2M | $66.6M | $9.6M | $34K | 0.06% | 1.63% | 5.35% | 6,866 |
| Q1 2025 | $96.7M | $87.1M | $64.5M | $9.5M | $125K | 0.52% | 2.19% | 2.16% | 6,747 |
| Q4 2024 | $91.0M | $81.4M | $64.7M | $9.3M | $1.1M | 1.17% | 2.96% | 3.13% | 6,683 |
| Q3 2024 | $83.5M | $73.8M | $63.8M | $9.1M | $838K | 1.34% | 3.27% | 0.59% | 6,606 |
| Q2 2024 | $75.7M | $66.6M | $62.4M | $8.8M | $535K | 1.41% | 3.61% | 1.27% |
| Ratio | Geauga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 20.2% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,623 |
Loan mix (Q1 2026): real estate $58.8M · commercial $7.9M · consumer $5.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.6% | 78.7% | 1th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Geauga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Geauga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Geauga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Geauga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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