| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.0 pts |
| Loan growth (YoY) | +4.5% | -2.6% | +7.2 pts |
| ROA | 0.40% | 0.65% | -0.3 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.9M | $65.5M | $17.6M | $7.3M | $144K | 0.40% | 1.91% | 0.37% | 3,927 |
| Q1 2026 | $72.9M | $65.6M | $17.0M | $7.2M | $49K | 0.27% | 1.74% | 0.01% | 3,958 |
| Q4 2025 | $72.5M | $65.2M | $17.2M | $7.1M | $56K | 0.08% | 1.60% | 0.00% | 3,974 |
| Q3 2025 | $72.7M | $65.4M | $16.7M | $7.1M | $43K | 0.08% | 1.59% | 0.02% | 4,023 |
| Q2 2025 | $72.8M | $65.6M | $16.9M | $7.1M | $20K | 0.05% | 1.56% | 0.16% | 4,036 |
| Q1 2025 | $71.9M | $64.7M | $17.1M | $7.1M | $2K | 0.01% | 1.52% | 0.07% | 4,065 |
| Q4 2024 | $69.0M | $61.9M | $17.2M | $7.1M | $-4K | -0.01% | 1.56% | 0.06% | 4,088 |
| Q3 2024 | $68.2M | $61.0M | $17.7M | $7.1M | $-7K | -0.01% | 1.59% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,150 |
| Q2 2024 | $68.3M | $61.0M | $17.9M | $7.1M | $-7K | -0.02% | 1.58% | 0.24% | 4,177 |
Loan mix (Q2 2026): real estate $14.4M · commercial $0 · consumer $2.2M · securities $45.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 80.6% | 56th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Fairfield, OH, ranked 15th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfield, OH | 2 | $65.5M* | 1.69% | 15th |
Ohio: 259th with 0.01% · Columbus metro: 62nd, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2