| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.0 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.6M | $9.6M | $7.5M | $6.9M | $11K | 0.27% | 4.22% | 1.71% | 1,466 |
| Q4 2025 | $16.5M | $9.6M | $7.5M | $6.9M | $51K | 0.31% | 4.45% | 1.19% | 2,265 |
| Q3 2025 | $16.1M | $9.1M | $7.6M | $6.9M | $66K | 0.55% | 4.58% | 1.39% | 2,327 |
| Q2 2025 | $15.9M | $8.9M | $7.8M | $6.9M | $42K | 0.52% | 4.68% | 1.24% | 2,353 |
| Q1 2025 | $15.9M | $8.9M | $7.9M | $6.9M | $18K | 0.45% | 4.65% | 0.35% | 2,388 |
| Q4 2024 | $15.8M | $8.9M | $8.1M | $6.9M | $92K | 0.58% | 4.84% | 0.42% | 2,391 |
| Q3 2024 | $16.2M | $9.3M | $8.1M | $6.9M | $76K | 0.62% | 4.73% | 0.58% | 2,420 |
| Q2 2024 | $16.5M | $9.6M | $8.2M | $6.8M | $51K | 0.62% | 4.61% | 1.04% | 2,447 |
| Ratio | North Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $3.6M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 81.5% | 85th |
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 | North Coast Credit Union | 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 | North Coast Credit Union | 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 | North Coast Credit Union | 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 | North Coast Credit Union | 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 | North Coast Credit Union | 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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Cuyahoga, OH, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $8.9M* | 0.01% | 47th |
Ohio: 363rd with 0.00% · Cleveland metro: 71st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2