| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.1 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $7.3M | $5.6M | $1.8M | $711 | 0.03% | 6.69% | 4.12% | 2,965 |
| Q4 2025 | $9.4M | $7.5M | $5.6M | $1.8M | $2K | 0.02% | 7.53% | 4.16% | 2,948 |
| Q3 2025 | $9.9M | $7.8M | $5.7M | $2.0M | $8K | 0.10% | 7.21% | 3.94% | 2,939 |
| Q2 2025 | $9.6M | $7.5M | $5.8M | $2.0M | $6K | 0.12% | 7.48% | 2.30% | 2,925 |
| Q1 2025 | $9.4M | $7.5M | $6.1M | $1.9M | $4K | 0.16% | 7.63% | 4.11% | 3,032 |
| Q4 2024 | $9.7M | $7.3M | $6.8M | $2.4M | $17K | 0.18% | 7.99% | 6.67% | 3,094 |
| Q3 2024 | $9.5M | $7.1M | $6.7M | $2.3M | $17K | 0.24% | 8.24% | 5.86% | 2,941 |
| Q2 2024 | $9.2M | $6.7M | $7.0M | $2.3M | $17K | 0.38% | 8.67% | 4.32% | 2,973 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $205K · commercial $0 · consumer $5.3M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.5% | 81.5% | 87th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cuyahoga, OH, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $7.5M* | 0.01% | 50th |
Ohio: 367th with 0.00% · Cleveland metro: 74th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2 · 2025 2