| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $12.7M | $5.3M | $2.1M | $15K | 0.41% | 4.62% | 0.39% | 1,139 |
| Q4 2025 | $14.1M | $12.0M | $5.2M | $2.1M | $162K | 1.15% | 5.23% | 0.80% | 1,153 |
| Q3 2025 | $14.3M | $12.2M | $4.7M | $2.0M | $117K | 1.10% | 5.28% | 0.28% | 1,170 |
| Q2 2025 | $14.7M | $12.7M | $4.9M | $2.0M | $87K | 1.19% | 5.22% | 0.80% | 1,195 |
| Q1 2025 | $15.1M | $13.1M | $5.0M | $2.0M | $46K | 1.22% | 5.14% | 0.51% | 1,219 |
| Q4 2024 | $15.0M | $13.1M | $5.2M | $1.9M | $276K | 1.83% | 5.80% | 1.28% | 1,233 |
| Q3 2024 | $15.1M | $13.1M | $5.2M | $1.9M | $217K | 1.92% | 5.89% | 0.17% | 1,244 |
| Q2 2024 | $16.1M | $13.9M | $5.5M | $1.8M | $143K | 1.78% | 5.54% | 1.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,275 |
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $3.3M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 81.5% | 74th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hamilton, OH, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $12.7M* | 0.01% | 47th |
Ohio: 350th with 0.00% · Cincinnati metro: 83rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1