| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +5.1% | -8.1 pts |
| Share growth (YoY) | -2.9% | +4.8% | -7.7 pts |
| Loan growth (YoY) | -3.2% | +5.4% | -8.7 pts |
| ROA | 0.35% | 0.80% | -0.5 pts |
| ROE | 4.1% | 7.4% | -3.3 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.21B | $3.50B | $3.52B | $358.9M | $7.3M | 0.35% | 2.26% | 0.70% | 324,004 |
| Q1 2026 | $4.23B | $3.51B | $3.43B | $355.5M | $3.9M | 0.37% | 2.17% | 0.71% | 317,371 |
| Q4 2025 | $4.23B | $3.52B | $3.39B | $351.6M | $11.0M | 0.26% | 1.96% | 0.83% | 312,507 |
| Q3 2025 | $4.25B | $3.48B | $3.46B | $351.1M | $6.9M | 0.22% | 1.91% | 0.78% | 306,711 |
| Q2 2025 | $4.30B | $3.57B | $3.53B | $347.3M | $3.0M | 0.14% | 1.84% | 0.67% | 299,423 |
| Q1 2025 | $4.36B | $3.62B | $3.54B | $344.9M | $731K | 0.07% | 1.75% | 0.63% | 293,631 |
| Q4 2024 | $4.43B | $3.68B | $3.65B | $344.2M | $-19.4M | -0.44% | 1.51% | 0.88% | 291,685 |
| Q3 2024 | $4.62B | $3.76B | $3.75B | $352.3M | $-15.0M | -0.43% | 1.41% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.71% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.26% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 289,843 |
| Q2 2024 | $4.73B | $3.82B | $3.88B | $358.6M | $-8.8M | -0.37% | 1.35% | 0.64% | 289,417 |
Loan mix (Q2 2026): real estate $1.26B · commercial $573.1M · consumer $1.64B · securities $296.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 73.0% | 44th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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% |
The full ratio pack is part of CharterBench Pro.
14 branches in 6 counties across 2 states (+0 vs 2025). Biggest market: Hamilton, OH, ranked 6th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 7 | $1.78B* | 1.09% | 6th |
| Butler, OH | 2 | $509.3M* | 5.39% | 6th |
| Warren, OH | 2 | $509.3M* | 7.59% | 5th |
| 3 more counties with Pro → | ||||
Ohio: 17th with 0.51% · Kentucky: 54th with 0.37% · Cincinnati metro: 6th, 1.78% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 13 · 2023 13 · 2024 13 · 2025 14 · 2026 14