| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | -8.5% | -2.4% | -6.2 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.7M | $23.9M | $17.0M | $5.7M | $35K | 0.48% | 2.02% | 0.00% | 921 |
| Q4 2025 | $30.2M | $24.5M | $17.7M | $5.7M | $143K | 0.47% | 2.11% | 0.00% | 932 |
| Q3 2025 | $30.0M | $24.2M | $18.1M | $5.6M | $124K | 0.55% | 2.15% | 0.00% | 937 |
| Q2 2025 | $30.0M | $24.3M | $18.3M | $5.6M | $79K | 0.53% | 2.16% | 0.00% | 947 |
| Q1 2025 | $30.1M | $24.5M | $18.5M | $5.5M | $39K | 0.52% | 2.15% | 0.00% | 953 |
| Q4 2024 | $30.0M | $24.4M | $19.0M | $5.5M | $132K | 0.44% | 2.13% | 0.00% | 960 |
| Q3 2024 | $30.1M | $24.5M | $18.8M | $5.5M | $106K | 0.47% | 2.11% | 0.00% | 965 |
| Q2 2024 | $30.6M | $25.0M | $19.5M | $5.4M | $62K | 0.41% | 2.04% | 0.00% | 975 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $15.9M · commercial $0 · consumer $630K · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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 2024). Biggest market: Cuyahoga, OH, ranked 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $24.3M* | 0.02% | 38th |
Ohio: 327th with 0.00% · Cleveland metro: 60th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1