| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.7M | $37.9M | $25.8M | $7.4M | $13K | 0.12% | 3.87% | 0.32% | 5,960 |
| Q4 2025 | $45.8M | $38.1M | $26.6M | $7.4M | $580K | 1.27% | 4.10% | 0.24% | 6,251 |
| Q3 2025 | $46.2M | $38.5M | $25.7M | $7.2M | $418K | 1.21% | 4.07% | 0.60% | 6,020 |
| Q2 2025 | $45.1M | $37.7M | $25.7M | $7.1M | $314K | 1.39% | 4.21% | 0.51% | 5,998 |
| Q1 2025 | $46.1M | $38.8M | $25.5M | $7.0M | $134K | 1.16% | 3.98% | 0.14% | 5,850 |
| Q4 2024 | $45.2M | $37.7M | $26.0M | $6.8M | $778K | 1.72% | 4.02% | 0.30% | 5,825 |
| Q3 2024 | $45.0M | $38.1M | $26.0M | $6.5M | $444K | 1.31% | 3.97% | 0.15% | 5,817 |
| Q2 2024 | $44.8M | $37.8M | $25.5M | $6.3M | $281K | 1.25% | 3.90% | 0.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Painesville Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,741 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $21.2M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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 | Painesville 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 | Painesville 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 | Painesville 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 | Painesville 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.