| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +7.1% | +0.7% | +6.5 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 10.5% | 4.1% | +6.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.4M | $29.8M | $15.2M | $3.5M | $93K | 1.11% | 4.14% | 1.09% | 3,221 |
| Q4 2025 | $33.3M | $29.8M | $15.6M | $3.4M | $396K | 1.19% | 4.13% | 0.75% | 3,213 |
| Q3 2025 | $30.9M | $27.5M | $15.8M | $3.4M | $304K | 1.31% | 4.39% | 0.73% | 3,201 |
| Q2 2025 | $30.7M | $27.4M | $15.6M | $3.2M | $195K | 1.27% | 4.40% | 0.76% | 3,192 |
| Q1 2025 | $31.0M | $27.8M | $15.4M | $3.2M | $118K | 1.52% | 4.31% | 0.90% | 3,165 |
| Q4 2024 | $30.6M | $27.5M | $15.4M | $3.1M | $309K | 1.01% | 4.17% | 1.76% | 3,157 |
| Q3 2024 | $30.4M | $27.3M | $15.7M | $3.0M | $275K | 1.21% | 4.12% | 0.40% | 3,178 |
| Q2 2024 | $31.3M | $28.4M | $16.0M | $2.9M | $137K | 0.87% | 3.87% | 0.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,194 |
Loan mix (Q1 2026): real estate $369K · commercial $0 · consumer $13.9M · securities $14.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 81.5% | 34th |
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.
4 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Franklin, OH, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, OH | 2 | $13.7M* | 0.01% | 45th |
| Wayne, OH | 2 | $13.7M* | 0.46% | 14th |
Ohio: 317th with 0.00% · Columbus metro: 72nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4