| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Share growth (YoY) | +13.6% | +4.9% | +8.7 pts |
| Loan growth (YoY) | +11.9% | +5.4% | +6.4 pts |
| ROA | 0.68% | 0.71% | -0.0 pts |
| ROE | 5.4% | 6.3% | -0.9 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.03B | $1.71B | $1.67B | $255.6M | $3.4M | 0.68% | 3.83% | 1.00% | 126,154 |
| Q4 2025 | $1.98B | $1.66B | $1.63B | $252.4M | $15.6M | 0.79% | 3.72% | 1.30% | 124,410 |
| Q3 2025 | $1.85B | $1.52B | $1.61B | $253.9M | $15.7M | 1.13% | 3.94% | 1.08% | 123,389 |
| Q2 2025 | $1.81B | $1.52B | $1.51B | $248.6M | $10.3M | 1.14% | 3.93% | 0.96% | 120,435 |
| Q1 2025 | $1.81B | $1.51B | $1.49B | $243.3M | $5.0M | 1.12% | 3.83% | 0.92% | 119,231 |
| Q4 2024 | $1.76B | $1.46B | $1.47B | $238.2M | $15.2M | 0.86% | 3.67% | 0.98% | 118,051 |
| Q3 2024 | $1.72B | $1.42B | $1.43B | $235.7M | $11.2M | 0.87% | 3.72% | 0.79% | 110,103 |
| Q2 2024 | $1.68B | $1.40B | $1.40B | $231.1M | $6.6M | 0.79% | 3.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.71% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 6.3% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 124,369 |
Loan mix (Q1 2026): real estate $620.0M · commercial $205.5M · consumer $714.8M · securities $133.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 73.0% | 22nd |
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.
14 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Trumbull, OH, ranked 3rd with 18.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Trumbull, OH | 8 | $866.0M* | 18.06% | 3rd |
| Mahoning, OH | 3 | $324.7M* | 4.72% | 7th |
| Portage, OH | 2 | $216.5M* | 7.39% | 4th |
| 1 more county with Pro → | ||||
Ohio: 29th with 0.25% · Youngstown-Warren metro: 3rd, 10.20% · Akron metro: 12th, 1.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 15 · 2023 14 · 2024 14 · 2025 14