| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +8.7% | +0.9% | +7.8 pts |
| Loan growth (YoY) | +0.6% | -2.6% | +3.2 pts |
| ROA | 1.16% | 0.65% | +0.5 pts |
| ROE | 9.0% | 4.4% | +4.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.9M | $38.1M | $16.7M | $5.6M | $254K | 1.16% | 3.79% | 0.30% | 2,247 |
| Q1 2026 | $42.5M | $36.9M | $16.7M | $5.5M | $138K | 1.29% | 3.87% | 0.22% | 2,253 |
| Q4 2025 | $42.3M | $36.8M | $17.3M | $5.4M | $509K | 1.20% | 3.77% | 0.92% | 2,267 |
| Q3 2025 | $40.9M | $35.6M | $17.3M | $5.2M | $349K | 1.14% | 3.82% | 0.73% | 2,286 |
| Q2 2025 | $40.3M | $35.1M | $16.6M | $5.1M | $208K | 1.03% | 3.78% | 0.56% | 2,304 |
| Q1 2025 | $40.7M | $35.7M | $14.9M | $4.9M | $87K | 0.86% | 3.59% | 0.70% | 2,282 |
| Q4 2024 | $38.7M | $33.8M | $15.5M | $4.9M | $369K | 0.95% | 3.56% | 0.69% | 2,288 |
| Q3 2024 | $38.8M | $34.0M | $15.9M | $4.8M | $273K | 0.94% | 3.49% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,312 |
| Q2 2024 | $39.4M | $34.7M | $15.6M | $4.7M | $184K | 0.93% | 3.34% | 0.56% | 2,320 |
Loan mix (Q2 2026): real estate $7.0M · commercial $0 · consumer $9.4M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 80.6% | 29th |
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 3 counties across 1 state (+2 vs 2025). Biggest market: Licking, OH, ranked 16th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Licking, OH | 2 | $19.1M* | 0.46% | 16th |
| Stark, OH | 1 | $9.5M* | 0.08% | 34th |
| Cuyahoga, OH | 1 | $9.5M* | 0.01% | 51st |
Ohio: 296th with 0.01% · Columbus metro: 72nd, 0.01% · Canton-Massillon metro: 35th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4