| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.3 pts |
| Loan growth (YoY) | -15.6% | -2.6% | -13.0 pts |
| ROA | 1.23% | 0.65% | +0.6 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.6M | $9.8M | $5.6M | $1.8M | $72K | 1.23% | 3.93% | 1.54% | 1,711 |
| Q1 2026 | $11.3M | $9.6M | $6.0M | $1.7M | $29K | 1.03% | 3.90% | 0.20% | 1,709 |
| Q4 2025 | $11.4M | $9.7M | $6.2M | $1.7M | $183K | 1.61% | 4.17% | 1.20% | 1,818 |
| Q3 2025 | $11.3M | $9.6M | $6.5M | $1.7M | $132K | 1.57% | 4.15% | 0.25% | 1,736 |
| Q2 2025 | $11.0M | $9.4M | $6.6M | $1.6M | $84K | 1.52% | 4.20% | 0.37% | 1,733 |
| Q1 2025 | $11.0M | $9.5M | $6.8M | $1.6M | $37K | 1.32% | 4.17% | 0.12% | 1,671 |
| Q4 2024 | $10.5M | $9.0M | $7.2M | $1.5M | $203K | 1.93% | 4.60% | 0.10% | 2,052 |
| Q3 2024 | $10.5M | $9.0M | $7.6M | $1.5M | $155K | 1.97% | 4.59% | 0.00% | 2,268 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.0M | $9.5M | $8.0M | $1.4M | $101K | 1.84% | 4.33% | 0.37% | 2,248 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.1M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 80.6% | 23rd |
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 2025). Biggest market: Wood, OH, ranked 24th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, OH | 1 | $9.8M* | 0.28% | 24th |
Ohio: 362nd with 0.00% · Toledo metro: 44th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1