| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.1% | +1.2 pts |
| Share growth (YoY) | +4.6% | +3.5% | +1.0 pts |
| Loan growth (YoY) | +16.9% | +2.9% | +14.0 pts |
| ROA | 0.90% | 0.74% | +0.2 pts |
| ROE | 8.1% | 6.5% | +1.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352.5M | $313.0M | $232.5M | $39.0M | $1.6M | 0.90% | 3.83% | 0.61% | 25,436 |
| Q1 2026 | $348.5M | $309.6M | $208.8M | $38.1M | $602K | 0.69% | 3.79% | 0.60% | 25,559 |
| Q4 2025 | $344.8M | $306.8M | $207.4M | $37.5M | $3.8M | 1.09% | 3.67% | 0.89% | 25,722 |
| Q3 2025 | $337.6M | $300.0M | $206.5M | $37.0M | $3.1M | 1.24% | 3.71% | 0.79% | 25,854 |
| Q2 2025 | $334.7M | $299.3M | $198.9M | $35.8M | $1.9M | 1.15% | 3.67% | 0.60% | 26,027 |
| Q1 2025 | $331.9M | $297.4M | $190.7M | $34.7M | $883K | 1.06% | 3.58% | 0.59% | 26,064 |
| Q4 2024 | $321.7M | $289.1M | $195.8M | $33.9M | $2.3M | 0.72% | 3.34% | 0.92% | 26,258 |
| Q3 2024 | $315.3M | $283.7M | $192.9M | $33.6M | $1.5M | 0.63% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.74% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.93% |
| 26,498 |
| Q2 2024 | $315.2M | $283.1M | $189.9M | $32.8M | $717K | 0.45% | 3.29% | 0.72% | 26,824 |
Loan mix (Q2 2026): real estate $113.2M · commercial $0 · consumer $115.8M · securities $82.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 77.5% | 19th |
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.
6 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Cuyahoga, OH, ranked 16th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 5 | $260.8M* | 0.23% | 16th |
| Medina, OH | 1 | $52.2M* | 0.88% | 15th |
Ohio: 106th with 0.05% · Cleveland metro: 24th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 5 · 2024 5 · 2025 5 · 2026 6