| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.1% | +3.0 pts |
| Share growth (YoY) | +6.3% | +3.5% | +2.8 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.5 pts |
| ROA | 1.05% | 0.74% | +0.3 pts |
| ROE | 12.8% | 6.5% | +6.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $267.2M | $246.5M | $189.6M | $21.8M | $1.4M | 1.05% | 3.81% | 1.05% | 14,521 |
| Q1 2026 | $258.7M | $238.4M | $180.6M | $21.1M | $676K | 1.04% | 3.85% | 0.60% | 14,327 |
| Q4 2025 | $253.5M | $234.1M | $177.5M | $20.4M | $1.9M | 0.74% | 3.72% | 0.51% | 14,189 |
| Q3 2025 | $248.0M | $229.1M | $178.0M | $19.9M | $1.3M | 0.72% | 3.71% | 0.80% | 14,145 |
| Q2 2025 | $249.5M | $231.8M | $178.3M | $19.2M | $656K | 0.53% | 3.57% | 0.60% | 14,080 |
| Q1 2025 | $252.2M | $235.1M | $176.1M | $18.7M | $171K | 0.27% | 3.39% | 0.38% | 13,927 |
| Q4 2024 | $244.2M | $227.9M | $172.8M | $18.6M | $364K | 0.15% | 3.25% | 0.37% | 13,878 |
| Q3 2024 | $242.2M | $225.2M | $174.2M | $18.6M | $424K | 0.23% | 3.23% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.74% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 6.5% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 13,813 |
| Q2 2024 | $237.1M | $221.2M | $171.3M | $18.5M | $306K | 0.26% | 3.25% | 0.29% | 13,802 |
Loan mix (Q2 2026): real estate $63.5M · commercial $43.3M · consumer $73.2M · securities $48.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 77.5% | 49th |
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 1 state (-1 vs 2025). Biggest market: Henry, OH, ranked 7th with 8.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henry, OH | 1 | $82.2M* | 8.75% | 7th |
| Williams, OH | 1 | $82.2M* | 6.93% | 5th |
| Defiance, OH | 1 | $82.2M* | 5.73% | 6th |
Ohio: 129th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 3