| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.5% | +1.3% | +20.2 pts |
| Share growth (YoY) | +25.5% | +0.9% | +24.6 pts |
| Loan growth (YoY) | +8.5% | -2.6% | +11.1 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 4.1% | 4.4% | -0.2 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.2M | $10.3M | $4.4M | $2.0M | $41K | 0.67% | 3.75% | 2.75% | 1,073 |
| Q1 2026 | $11.1M | $9.1M | $4.1M | $2.0M | $33K | 1.18% | 3.79% | 3.90% | 1,069 |
| Q4 2025 | $10.9M | $8.9M | $4.2M | $1.9M | $145K | 1.34% | 3.87% | 4.18% | 1,068 |
| Q3 2025 | $10.1M | $8.2M | $4.5M | $1.9M | $88K | 1.16% | 4.10% | 4.36% | 1,077 |
| Q2 2025 | $10.1M | $8.2M | $4.1M | $1.9M | $70K | 1.39% | 4.34% | 5.20% | 1,083 |
| Q1 2025 | $10.2M | $8.4M | $4.1M | $1.8M | $17K | 0.66% | 3.70% | 2.64% | 1,075 |
| Q4 2024 | $9.9M | $8.1M | $4.2M | $1.8M | $90K | 0.91% | 3.75% | 1.41% | 1,074 |
| Q3 2024 | $9.8M | $8.0M | $4.3M | $1.7M | $65K | 0.89% | 3.99% | 1.90% | 1,070 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $9.3M | $7.5M | $4.4M | $1.7M | $48K | 1.04% | 4.14% | 1.87% | 1,084 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $5.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 80.6% | 13th |
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 2 states (+2 vs 2025). Biggest market: Morrow, OH, ranked 7th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morrow, OH | 1 | $3.4M* | 0.89% | 7th |
| Delaware, OH | 1 | $3.4M* | 0.04% | 28th |
| Will, IL | 1 | $3.4M* | 0.01% | 45th |
Ohio: 371st with 0.00% · Illinois: 553rd with 0.00% · Columbus metro: 83rd, 0.01% · Chicago-Naperville-Elgin metro: 237th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3