| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.1% | +3.3 pts |
| Share growth (YoY) | +8.1% | +3.5% | +4.5 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.5 pts |
| ROA | 1.16% | 0.74% | +0.4 pts |
| ROE | 6.9% | 6.5% | +0.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $335.9M | $280.4M | $203.7M | $56.4M | $2.0M | 1.16% | 4.21% | 1.38% | 24,225 |
| Q1 2026 | $332.3M | $275.3M | $205.5M | $55.5M | $1.1M | 1.28% | 4.22% | 1.05% | 24,137 |
| Q4 2025 | $318.3M | $264.0M | $205.9M | $54.4M | $4.2M | 1.31% | 4.45% | 1.35% | 24,303 |
| Q3 2025 | $307.3M | $253.0M | $205.4M | $53.4M | $3.1M | 1.33% | 4.58% | 1.12% | 24,810 |
| Q2 2025 | $312.6M | $259.4M | $205.0M | $51.9M | $1.6M | 1.03% | 4.43% | 0.82% | 24,688 |
| Q1 2025 | $323.5M | $271.8M | $205.7M | $50.8M | $510K | 0.63% | 4.15% | 0.72% | 24,965 |
| Q4 2024 | $316.2M | $266.7M | $209.4M | $50.3M | $2.7M | 0.84% | 3.94% | 0.96% | 25,144 |
| Q3 2024 | $318.6M | $269.4M | $212.4M | $50.1M | $2.4M | 0.99% | 3.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.74% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 6.5% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 25,011 |
| Q2 2024 | $325.5M | $276.4M | $211.4M | $48.9M | $1.2M | 0.75% | 3.71% | 0.38% | 24,937 |
Loan mix (Q2 2026): real estate $96.8M · commercial $17.9M · consumer $80.4M · securities $43.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 77.5% | 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.
10 branches in 8 counties across 3 states (+0 vs 2025). Biggest market: Lorain, OH, ranked 19th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lorain, OH | 2 | $56.1M* | 0.78% | 19th |
| Summit, OH | 2 | $56.1M* | 0.31% | 27th |
| Medina, OH | 1 | $28.0M* | 0.47% | 18th |
| 5 more counties with Pro → | ||||
Ohio: 153rd with 0.03% · Illinois: 420th with 0.01% · Indiana: 216th with 0.01% · Cleveland metro: 43rd, 0.06% · Akron metro: 28th, 0.27% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 10 · 2026 10