| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.5% | +0.9% | +6.5 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.4 pts |
| ROA | 1.35% | 0.65% | +0.7 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.5M | $14.7M | $9.6M | $2.8M | $118K | 1.35% | 5.32% | 2.09% | 2,819 |
| Q1 2026 | $17.1M | $14.3M | $9.3M | $2.7M | $44K | 1.04% | 5.31% | 2.26% | 2,720 |
| Q4 2025 | $16.6M | $13.9M | $9.6M | $2.7M | $196K | 1.18% | 5.40% | 1.57% | 2,722 |
| Q3 2025 | $16.5M | $13.8M | $9.8M | $2.7M | $191K | 1.54% | 5.36% | 0.45% | 2,733 |
| Q2 2025 | $16.3M | $13.6M | $10.0M | $2.6M | $121K | 1.49% | 5.36% | 0.87% | 2,736 |
| Q1 2025 | $15.4M | $12.8M | $10.5M | $2.5M | $51K | 1.33% | 5.64% | 0.63% | 2,673 |
| Q4 2024 | $15.2M | $12.7M | $11.0M | $2.5M | $236K | 1.55% | 5.57% | 0.72% | 2,705 |
| Q3 2024 | $15.3M | $12.8M | $11.4M | $2.4M | $169K | 1.48% | 5.47% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,718 |
| Q2 2024 | $14.9M | $12.6M | $11.6M | $2.3M | $97K | 1.29% | 5.48% | 0.93% | 2,728 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.9M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 80.6% | 28th |
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: Hamilton, OH, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $14.7M* | 0.01% | 45th |
Ohio: 346th with 0.00% · Cincinnati metro: 81st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1