| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.6% | +0.9% | +3.6 pts |
| Loan growth (YoY) | -20.8% | -2.6% | -18.1 pts |
| ROA | -0.54% | 0.65% | -1.2 pts |
| ROE | -5.6% | 4.4% | -10.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142K | $129K | $8K | $14K | $-383 | -0.54% | 3.15% | 0.00% | 161 |
| Q1 2026 | $143K | $128K | $7K | $14K | $102 | 0.29% | 3.42% | 51.76% | 160 |
| Q4 2025 | $138K | $124K | $8K | $14K | $2K | 1.10% | 2.96% | 45.82% | 161 |
| Q3 2025 | $135K | $121K | $9K | $14K | $2K | 1.53% | 3.71% | 42.03% | 161 |
| Q2 2025 | $137K | $123K | $10K | $14K | $2K | 2.21% | 3.78% | 0.00% | 166 |
| Q1 2025 | $139K | $126K | $11K | $13K | $317 | 0.91% | 3.61% | 0.00% | 166 |
| Q4 2024 | $137K | $124K | $9K | $13K | $2K | 1.25% | 3.36% | 0.00% | 166 |
| Q3 2024 | $127K | $115K | $9K | $12K | $1K | 1.43% | 4.10% | 0.00% | 159 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.54% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $127K |
| $116K |
| $10K |
| $11K |
| $194 |
| 0.31% |
| 3.93% |
| 0.00% |
| 163 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8K · securities $85K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 117.1% | 80.6% | 94th |
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: Hamilton, OH, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $129K* | 0.00% | 52nd |
Ohio: 401st with 0.00% · Cincinnati metro: 94th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1