| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.5 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -19.8% | -2.4% | -17.5 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $939K | $397K | $294K | $23 | 0.01% | 3.21% | 19.51% | 134 |
| Q4 2025 | $1.2M | $933K | $426K | $293K | $142 | 0.01% | 3.12% | 17.09% | 134 |
| Q3 2025 | $1.2M | $942K | $474K | $293K | $123 | 0.01% | 3.12% | 14.90% | 139 |
| Q2 2025 | $1.3M | $968K | $503K | $293K | $98 | 0.02% | 3.22% | 14.42% | 141 |
| Q1 2025 | $1.3M | $967K | $495K | $293K | $48 | 0.02% | 3.47% | 15.11% | 143 |
| Q4 2024 | $1.3M | $976K | $555K | $293K | $541 | 0.04% | 3.50% | 17.37% | 152 |
| Q3 2024 | $1.3M | $995K | $595K | $293K | $523 | 0.05% | 3.69% | 16.16% | 152 |
| Q2 2024 | $1.3M | $997K | $636K | $293K | $445 | 0.07% | 3.76% | 8.37% | 154 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.1% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $352K · securities $420K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 84th |
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: Cuyahoga, OH, ranked 59th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $968K* | 0.00% | 59th |
Ohio: 396th with 0.00% · Cleveland metro: 82nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1