| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +5.0% | +0.9% | +4.1 pts |
| Loan growth (YoY) | +2.3% | -2.6% | +4.9 pts |
| ROA | 1.41% | 0.65% | +0.8 pts |
| ROE | 11.2% | 4.4% | +6.8 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 | $70.8M | $61.3M | $34.3M | $8.9M | $500K | 1.41% | 4.43% | 0.66% | 7,643 |
| Q1 2026 | $70.3M | $61.2M | $33.9M | $8.7M | $268K | 1.53% | 4.40% | 1.00% | 7,832 |
| Q4 2025 | $70.6M | $61.7M | $34.8M | $8.4M | $870K | 1.23% | 4.45% | 1.36% | 7,786 |
| Q3 2025 | $66.8M | $58.2M | $34.2M | $8.2M | $609K | 1.22% | 4.66% | 1.58% | 7,712 |
| Q2 2025 | $67.4M | $58.4M | $33.5M | $8.0M | $353K | 1.05% | 4.56% | 1.88% | 7,664 |
| Q1 2025 | $66.7M | $58.4M | $31.3M | $7.8M | $190K | 1.14% | 4.50% | 1.32% | 7,821 |
| Q4 2024 | $62.5M | $54.5M | $31.4M | $7.6M | $948K | 1.52% | 4.51% | 1.18% | 7,768 |
| Q3 2024 | $62.1M | $54.3M | $31.0M | $7.4M | $704K | 1.51% | 4.46% | 0.83% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,795 |
| Q2 2024 | $61.9M | $54.6M | $31.4M | $7.1M | $435K | 1.41% | 4.31% | 0.61% | 7,774 |
Loan mix (Q2 2026): real estate $15.0M · commercial $0 · consumer $18.0M · securities $25.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 80.6% | 51st |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Hancock, OH, ranked 13th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hancock, OH | 2 | $40.9M* | 1.90% | 13th |
| Wood, OH | 1 | $20.4M* | 0.59% | 23rd |
Ohio: 266th with 0.01% · Toledo metro: 39th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3