| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.1% | +1.6 pts |
| Share growth (YoY) | +5.9% | +3.5% | +2.3 pts |
| Loan growth (YoY) | +1.1% | +2.9% | -1.7 pts |
| ROA | 0.29% | 0.74% | -0.4 pts |
| ROE | 3.3% | 6.5% | -3.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $205.7M | $185.7M | $125.3M | $18.2M | $298K | 0.29% | 3.58% | 0.43% | 14,262 |
| Q1 2026 | $207.6M | $188.0M | $123.8M | $18.1M | $173K | 0.33% | 3.46% | 0.33% | 14,160 |
| Q4 2025 | $200.7M | $181.0M | $121.3M | $17.9M | $887K | 0.44% | 3.55% | 0.28% | 14,146 |
| Q3 2025 | $200.5M | $180.9M | $122.6M | $17.7M | $685K | 0.46% | 3.51% | 0.87% | 14,217 |
| Q2 2025 | $194.6M | $175.4M | $123.9M | $17.4M | $391K | 0.40% | 3.54% | 0.11% | 14,262 |
| Q1 2025 | $194.2M | $175.4M | $121.6M | $17.2M | $150K | 0.31% | 3.45% | 0.15% | 14,305 |
| Q4 2024 | $185.7M | $167.2M | $124.6M | $17.0M | $817K | 0.44% | 3.49% | 0.34% | 14,352 |
| Q3 2024 | $184.3M | $167.1M | $121.3M | $16.8M | $554K | 0.40% | 3.47% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.74% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.5% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 14,347 |
| Q2 2024 | $181.5M | $164.6M | $120.5M | $16.6M | $382K | 0.42% | 3.45% | 0.22% | 14,381 |
Loan mix (Q2 2026): real estate $33.6M · commercial $23.5M · consumer $52.7M · securities $30.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 77.5% | 88th |
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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Sandusky, OH, ranked 6th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sandusky, OH | 2 | $74.3M* | 5.07% | 6th |
| Hancock, OH | 2 | $74.3M* | 3.46% | 7th |
| Seneca, OH | 1 | $37.1M* | 1.40% | 14th |
Ohio: 159th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5