| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.8 pts |
| Share growth (YoY) | +1.3% | +3.5% | -2.3 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 1.21% | 0.74% | +0.5 pts |
| ROE | 9.3% | 6.5% | +2.8 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.1M | $135.3M | $61.5M | $20.2M | $940K | 1.21% | 3.25% | 0.26% | 7,958 |
| Q1 2026 | $153.2M | $133.7M | $58.8M | $19.8M | $493K | 1.29% | 3.24% | 0.23% | 8,014 |
| Q4 2025 | $150.8M | $132.0M | $59.4M | $19.3M | $1.6M | 1.06% | 3.19% | 0.65% | 8,125 |
| Q3 2025 | $153.1M | $134.6M | $60.2M | $18.9M | $1.2M | 1.04% | 3.08% | 0.19% | 8,209 |
| Q2 2025 | $151.6M | $133.6M | $59.9M | $18.4M | $779K | 1.03% | 3.03% | 0.12% | 8,273 |
| Q1 2025 | $150.7M | $133.2M | $59.6M | $18.1M | $394K | 1.04% | 2.95% | 0.06% | 8,361 |
| Q4 2024 | $147.5M | $130.3M | $60.0M | $17.7M | $1.2M | 0.81% | 2.68% | 0.16% | 8,472 |
| Q3 2024 | $146.4M | $129.9M | $61.2M | $17.1M | $838K | 0.76% | 2.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.74% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.5% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 8,438 |
| Q2 2024 | $146.7M | $130.7M | $61.1M | $16.8M | $478K | 0.65% | 2.54% | 0.10% | 8,626 |
Loan mix (Q2 2026): real estate $44.7M · commercial $5.8M · consumer $8.0M · securities $78.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 77.5% | 21st |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ashtabula, OH, ranked 4th with 7.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ashtabula, OH | 3 | $135.3M* | 7.53% | 4th |
Ohio: 187th with 0.02% · Cleveland metro: 34th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3