| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -3.5% | -2.6% | -0.9 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.7M | $26.2M | $13.6M | $4.0M | $20K | 0.13% | 4.65% | 2.98% | 3,705 |
| Q1 2026 | $30.8M | $26.4M | $13.5M | $3.9M | $-17K | -0.21% | 4.47% | 2.15% | 3,719 |
| Q4 2025 | $30.7M | $26.2M | $13.5M | $3.9M | $254K | 0.83% | 4.64% | 3.59% | 3,770 |
| Q3 2025 | $30.7M | $26.5M | $13.9M | $3.9M | $197K | 0.85% | 4.59% | 3.22% | 3,850 |
| Q2 2025 | $30.9M | $26.6M | $14.1M | $3.8M | $117K | 0.75% | 4.52% | 3.12% | 3,866 |
| Q1 2025 | $31.4M | $26.9M | $13.6M | $3.8M | $49K | 0.63% | 4.44% | 2.70% | 3,874 |
| Q4 2024 | $31.3M | $27.1M | $13.8M | $3.7M | $159K | 0.51% | 4.29% | 2.67% | 3,888 |
| Q3 2024 | $30.9M | $26.8M | $14.2M | $3.7M | $147K | 0.64% | 4.25% | 2.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,895 |
| Q2 2024 | $30.5M | $26.4M | $14.5M | $3.7M | $100K | 0.65% | 4.27% | 2.53% | 3,919 |
Loan mix (Q2 2026): real estate $4.7M · commercial $0 · consumer $8.8M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 80.6% | 83rd |
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 (+0 vs 2025). Biggest market: Ashtabula, OH, ranked 11th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ashtabula, OH | 2 | $26.2M* | 1.46% | 11th |
Ohio: 321st with 0.00% · Cleveland metro: 59th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2