| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.0% | +0.9% | -1.9 pts |
| Loan growth (YoY) | +7.2% | -2.6% | +9.8 pts |
| ROA | 1.09% | 0.65% | +0.4 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $1.1M | $827K | $261K | $7K | 1.09% | 5.24% | 0.00% | 307 |
| Q1 2026 | $1.3M | $1.1M | $843K | $257K | $3K | 0.93% | 5.14% | 0.06% | 306 |
| Q4 2025 | $1.3M | $1.1M | $905K | $254K | $9K | 0.67% | 5.02% | 0.29% | 299 |
| Q3 2025 | $1.3M | $1.0M | $904K | $251K | $5K | 0.53% | 5.02% | 0.53% | 309 |
| Q2 2025 | $1.3M | $1.1M | $771K | $247K | $2K | 0.28% | 4.69% | 0.92% | 315 |
| Q1 2025 | $1.3M | $1.1M | $694K | $245K | $-384 | -0.12% | 4.60% | 1.76% | 314 |
| Q4 2024 | $1.3M | $1.1M | $686K | $245K | $8K | 0.64% | 4.52% | 2.22% | 316 |
| Q3 2024 | $1.4M | $1.2M | $717K | $243K | $6K | 0.54% | 4.16% | 2.42% | 323 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.5M |
| $1.2M |
| $748K |
| $239K |
| $2K |
| 0.31% |
| 3.88% |
| 2.81% |
| 327 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $702K · securities $315K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 80.6% | 47th |
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 (-1 vs 2025). Biggest market: Belmont, OH, ranked 15th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Belmont, OH | 1 | $1.1M* | 0.04% | 15th |
Ohio: 393rd with 0.00% · Wheeling metro: 23rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 1