| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +10.3% | +0.9% | +9.3 pts |
| Loan growth (YoY) | -1.0% | -2.6% | +1.6 pts |
| ROA | 1.44% | 0.65% | +0.8 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.9M | $31.7M | $19.5M | $7.0M | $280K | 1.44% | 2.96% | 0.44% | 3,358 |
| Q1 2026 | $37.5M | $30.5M | $19.1M | $6.8M | $128K | 1.37% | 2.97% | 0.45% | 3,348 |
| Q4 2025 | $36.3M | $29.5M | $19.0M | $6.7M | $435K | 1.20% | 3.13% | 0.00% | 3,320 |
| Q3 2025 | $35.5M | $28.7M | $19.3M | $6.7M | $405K | 1.52% | 3.20% | 0.79% | 3,328 |
| Q2 2025 | $35.4M | $28.8M | $19.7M | $6.5M | $255K | 1.44% | 3.18% | 0.45% | 3,323 |
| Q1 2025 | $35.1M | $28.6M | $17.9M | $6.4M | $103K | 1.17% | 3.14% | 0.00% | 3,312 |
| Q4 2024 | $34.5M | $28.1M | $17.9M | $6.3M | $411K | 1.19% | 2.78% | 0.10% | 3,300 |
| Q3 2024 | $33.4M | $27.0M | $17.8M | $6.3M | $416K | 1.66% | 3.24% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,301 |
| Q2 2024 | $32.4M | $26.1M | $17.2M | $6.1M | $262K | 1.62% | 3.27% | 0.00% | 3,293 |
Loan mix (Q2 2026): real estate $8.9M · commercial $0 · consumer $9.8M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 80.6% | 9th |
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: Darke, OH, ranked 10th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Darke, OH | 1 | $31.7M* | 1.83% | 10th |
Ohio: 312th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1