| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -5.4% | +0.9% | -6.3 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.9 pts |
| ROA | 0.08% | 0.65% | -0.6 pts |
| ROE | 0.7% | 4.4% | -3.7 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.7M | $4.8M | $2.6M | $688K | $2K | 0.08% | 4.68% | 0.00% | 622 |
| Q1 2026 | $5.7M | $4.9M | $2.6M | $681K | $-5K | -0.36% | 4.47% | 0.00% | 619 |
| Q4 2025 | $5.6M | $4.9M | $2.7M | $686K | $33K | 0.58% | 4.96% | 0.16% | 618 |
| Q3 2025 | $5.8M | $5.0M | $2.7M | $673K | $20K | 0.47% | 4.75% | 0.00% | 620 |
| Q2 2025 | $6.1M | $5.1M | $2.7M | $669K | $16K | 0.52% | 4.58% | 0.17% | 684 |
| Q1 2025 | $5.9M | $5.2M | $2.5M | $658K | $5K | 0.32% | 4.40% | 0.00% | 679 |
| Q4 2024 | $5.8M | $5.1M | $2.5M | $653K | $60K | 1.02% | 4.57% | 0.00% | 677 |
| Q3 2024 | $5.8M | $5.1M | $2.6M | $639K | $45K | 1.04% | 4.53% | 0.00% | 675 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.65% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.9M |
| $5.3M |
| $2.4M |
| $621K |
| $27K |
| 0.93% |
| 4.20% |
| 0.00% |
| 681 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.6% | 80.6% | 82nd |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Ohio, WV, ranked 10th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ohio, WV | 2 | $4.8M* | 0.19% | 10th |
West Virginia: 138th with 0.01% · Wheeling metro: 20th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2