| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -10.9% | +0.9% | -11.9 pts |
| Loan growth (YoY) | -7.9% | -2.6% | -5.3 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.4M | $18.8M | $13.2M | $4.5M | $79K | 0.67% | 3.57% | 0.05% | 3,086 |
| Q1 2026 | $24.0M | $19.5M | $13.5M | $4.5M | $1K | 0.02% | 3.41% | 0.16% | 3,121 |
| Q4 2025 | $23.0M | $18.4M | $14.2M | $4.5M | $32K | 0.14% | 3.72% | 0.58% | 3,133 |
| Q3 2025 | $23.5M | $18.9M | $14.3M | $4.5M | $29K | 0.16% | 3.68% | 0.52% | 3,149 |
| Q2 2025 | $25.6M | $21.1M | $14.3M | $4.5M | $27K | 0.21% | 3.38% | 0.35% | 3,166 |
| Q1 2025 | $24.7M | $20.1M | $14.8M | $4.5M | $5K | 0.08% | 3.28% | 0.34% | 3,207 |
| Q4 2024 | $24.4M | $19.9M | $15.2M | $4.5M | $44K | 0.18% | 3.49% | 0.19% | 3,211 |
| Q3 2024 | $24.7M | $20.1M | $15.3M | $4.4M | $16K | 0.09% | 3.38% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,238 |
| Q2 2024 | $26.4M | $21.7M | $15.4M | $4.5M | $72K | 0.54% | 3.13% | 0.56% | 3,277 |
Loan mix (Q2 2026): real estate $4.7M · commercial $0 · consumer $8.4M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 80.6% | 46th |
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.
3 branches in 3 counties across 3 states (+1 vs 2025). Biggest market: Warren, OH, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, OH | 1 | $6.3M* | 0.09% | 26th |
| Tarrant, TX | 1 | $6.3M* | 0.01% | 106th |
| Henry, GA | 1 | $6.3M* | 0.11% | 22nd |
Texas: 832nd with 0.00% · Georgia: 262nd with 0.00% · Ohio: 375th with 0.00% · Dallas-Fort Worth-Arlington metro: 274th, 0.00% · Atlanta-Sandy Springs-Roswell metro: 125th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3