| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.7% | -3.4 pts |
| Share growth (YoY) | +5.4% | +4.2% | +1.2 pts |
| Loan growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| ROA | -0.32% | 0.75% | -1.1 pts |
| ROE | -2.8% | 6.9% | -9.7 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $526.8M | $456.7M | $416.2M | $60.5M | $-847K | -0.32% | 3.93% | 1.17% | 26,348 |
| Q1 2026 | $520.9M | $450.2M | $406.1M | $60.1M | $-1.3M | -1.00% | 3.99% | 0.84% | 26,302 |
| Q4 2025 | $529.6M | $441.9M | $402.7M | $61.4M | $676K | 0.13% | 3.68% | 0.71% | 25,722 |
| Q3 2025 | $520.4M | $431.8M | $398.0M | $61.6M | $899K | 0.23% | 3.69% | 1.18% | 26,360 |
| Q2 2025 | $520.4M | $433.3M | $399.1M | $61.3M | $633K | 0.24% | 3.66% | 1.08% | 26,203 |
| Q1 2025 | $519.0M | $434.1M | $393.5M | $61.3M | $631K | 0.49% | 3.60% | 0.75% | 26,037 |
| Q4 2024 | $504.5M | $420.0M | $391.6M | $60.7M | $2.4M | 0.48% | 3.59% | 0.48% | 26,620 |
| Q3 2024 | $492.1M | $404.3M | $383.1M | $59.9M | $1.6M | 0.43% | 3.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.32% | 0.75% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 6.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 26,531 |
| Q2 2024 | $485.1M | $403.9M | $378.6M | $59.5M | $1.2M | 0.51% | 3.68% | 0.65% | 26,322 |
Loan mix (Q2 2026): real estate $203.7M · commercial $111.4M · consumer $92.8M · securities $56.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 77.1% | 99th |
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.
5 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Athens, OH, ranked 3rd with 22.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Athens, OH | 3 | $274.0M* | 22.53% | 3rd |
| Fairfield, OH | 1 | $91.3M* | 2.36% | 12th |
| Hocking, OH | 1 | $91.3M* | 14.57% | 3rd |
Ohio: 83rd with 0.07% · Columbus metro: 41st, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 5 · 2026 5