| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.5% | +1.3% | -18.8 pts |
| Share growth (YoY) | -19.8% | +0.9% | -20.8 pts |
| Loan growth (YoY) | -22.2% | -2.6% | -19.6 pts |
| ROA | 0.29% | 0.65% | -0.4 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.4M | $3.9M | $518K | $550K | $7K | 0.29% | 4.12% | 0.00% | 720 |
| Q1 2026 | $4.6M | $4.1M | $498K | $551K | $7K | 0.58% | 4.03% | 0.00% | 730 |
| Q4 2025 | $4.9M | $4.3M | $550K | $544K | $38K | 0.79% | 4.42% | 0.00% | 725 |
| Q3 2025 | $5.0M | $4.4M | $628K | $542K | $36K | 0.98% | 4.47% | 0.00% | 738 |
| Q2 2025 | $5.4M | $4.8M | $665K | $532K | $26K | 0.97% | 4.16% | 0.00% | 728 |
| Q1 2025 | $5.2M | $4.7M | $736K | $524K | $18K | 1.38% | 4.35% | 0.00% | 726 |
| Q4 2024 | $5.0M | $4.5M | $812K | $506K | $53K | 1.04% | 4.52% | 0.00% | 722 |
| Q3 2024 | $5.0M | $4.5M | $854K | $497K | $44K | 1.16% | 4.52% | 0.00% | 716 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $4.9M |
| $4.4M |
| $905K |
| $478K |
| $25K |
| 1.02% |
| 4.53% |
| 0.00% |
| 712 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $376K · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 80.6% | 77th |
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 15th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Trumbull, OH | 1 | $3.9M* | 0.08% | 15th |
Ohio: 384th with 0.00% · Youngstown-Warren metro: 21st, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1