| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.3% | +1.3% | -14.6 pts |
| Share growth (YoY) | -25.7% | +0.9% | -26.6 pts |
| Loan growth (YoY) | -44.9% | -2.6% | -42.3 pts |
| ROA | -8.59% | 0.65% | -9.2 pts |
| ROE | -11.4% | 4.4% | -15.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279K | $64K | $36K | $210K | $-12K | -8.59% | 3.99% | 3.00% | 47 |
| Q1 2026 | $286K | $65K | $39K | $216K | $-6K | -8.37% | 4.09% | 4.11% | 53 |
| Q4 2025 | $286K | $60K | $52K | $222K | $-22K | -7.74% | 5.25% | 14.45% | 56 |
| Q3 2025 | $299K | $68K | $61K | $229K | $-16K | -7.09% | 5.14% | 18.55% | 58 |
| Q2 2025 | $322K | $86K | $65K | $234K | $-10K | -6.33% | 4.99% | 18.95% | 66 |
| Q1 2025 | $320K | $76K | $66K | $239K | $-5K | -6.58% | 5.15% | 21.62% | 74 |
| Q4 2024 | $317K | $68K | $76K | $244K | $-14K | -4.47% | 6.60% | 20.19% | 83 |
| Q3 2024 | $347K | $93K | $101K | $251K | $-7K | -2.88% | 6.33% | 12.26% | 85 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.59% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -11.4% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $357K |
| $100K |
| $129K |
| $255K |
| $-3K |
| -1.86% |
| 6.38% |
| 0.00% |
| 99 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $30K · securities $179K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 309.4% | 80.6% | 100th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hamilton, OH, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $64K* | 0.00% | 53rd |
Ohio: 402nd with 0.00% · Cincinnati metro: 95th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1