| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.2% | +1.3% | +16.9 pts |
| Share growth (YoY) | +21.2% | +0.9% | +20.3 pts |
| Loan growth (YoY) | -2.2% | -2.6% | +0.4 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.9M | $32.8M | $21.4M | $5.7M | $101K | 0.52% | 2.52% | 0.00% | 2,273 |
| Q1 2026 | $36.8M | $30.9M | $21.4M | $5.6M | $35K | 0.38% | 2.61% | 0.13% | 2,260 |
| Q4 2025 | $36.0M | $30.1M | $21.9M | $5.6M | $429K | 1.19% | 2.99% | 0.22% | 2,247 |
| Q3 2025 | $31.7M | $26.0M | $21.9M | $5.5M | $357K | 1.50% | 3.42% | 0.07% | 2,196 |
| Q2 2025 | $32.9M | $27.0M | $21.9M | $5.4M | $234K | 1.42% | 3.26% | 0.14% | 2,196 |
| Q1 2025 | $31.4M | $25.5M | $21.4M | $5.3M | $124K | 1.58% | 3.32% | 0.13% | 2,194 |
| Q4 2024 | $31.1M | $25.7M | $21.0M | $5.2M | $414K | 1.33% | 3.19% | 0.06% | 2,202 |
| Q3 2024 | $30.9M | $25.7M | $21.3M | $5.1M | $342K | 1.48% | 3.16% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,198 |
| Q2 2024 | $31.7M | $26.4M | $21.4M | $5.0M | $226K | 1.43% | 3.00% | 0.05% | 2,212 |
Loan mix (Q2 2026): real estate $4.5M · commercial $0 · consumer $15.4M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 80.6% | 24th |
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: Ottawa, OH, ranked 12th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ottawa, OH | 1 | $32.8M* | 2.39% | 12th |
Ohio: 308th with 0.01% · Sandusky metro: 18th, 0.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1