| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -32.5% | +1.3% | -33.7 pts |
| Share growth (YoY) | -31.2% | +0.9% | -32.1 pts |
| Loan growth (YoY) | -34.3% | -2.6% | -31.7 pts |
| ROA | -6.85% | 0.65% | -7.5 pts |
| ROE | -67.3% | 4.4% | -71.7 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $376K | $337K | $138K | $38K | $-13K | -6.85% | 4.91% | 1.80% | 244 |
| Q1 2026 | $387K | $341K | $137K | $45K | $-6K | -6.60% | 5.39% | 2.19% | 242 |
| Q4 2025 | $389K | $337K | $146K | $51K | $-31K | -7.88% | 5.87% | 1.39% | 246 |
| Q3 2025 | $424K | $365K | $149K | $57K | $-24K | -7.69% | 5.82% | 1.55% | 242 |
| Q2 2025 | $556K | $490K | $210K | $65K | $-17K | -6.13% | 4.95% | 1.37% | 233 |
| Q1 2025 | $586K | $506K | $162K | $78K | $-4K | -2.78% | 4.96% | 2.89% | 202 |
| Q4 2024 | $542K | $457K | $191K | $82K | $-52K | -9.66% | 6.88% | 4.89% | 224 |
| Q3 2024 | $588K | $494K | $197K | $92K | $-54K | -12.28% | 6.42% | 12.03% | 223 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.85% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -67.3% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $614K | $515K | $221K | $99K | $-44K | -14.23% | 5.93% | 10.60% | 223 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $130K · securities $17K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 226.8% | 80.6% | 99th |
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: Trumbull, OH, ranked 16th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Trumbull, OH | 1 | $337K* | 0.01% | 16th |
Ohio: 398th with 0.00% · Youngstown-Warren metro: 23rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1