| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.5% | +0.9% | +3.5 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | 1.81% | 0.65% | +1.2 pts |
| ROE | 11.6% | 4.4% | +7.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.6M | $31.6M | $17.0M | $5.9M | $341K | 1.81% | 5.07% | 2.91% | 3,879 |
| Q1 2026 | $37.0M | $31.1M | $17.3M | $5.7M | $155K | 1.68% | 5.04% | 2.35% | 3,845 |
| Q4 2025 | $36.5M | $30.8M | $17.7M | $5.6M | $508K | 1.39% | 4.95% | 1.49% | 3,822 |
| Q3 2025 | $36.5M | $30.9M | $17.5M | $5.4M | $358K | 1.31% | 4.85% | 1.52% | 3,798 |
| Q2 2025 | $35.6M | $30.2M | $17.4M | $5.3M | $215K | 1.21% | 4.83% | 2.26% | 3,861 |
| Q1 2025 | $34.7M | $29.4M | $17.2M | $5.1M | $88K | 1.02% | 4.86% | 2.39% | 3,846 |
| Q4 2024 | $34.5M | $29.3M | $17.5M | $5.0M | $370K | 1.07% | 4.74% | 3.80% | 3,831 |
| Q3 2024 | $35.4M | $30.3M | $18.2M | $5.0M | $290K | 1.09% | 4.59% | 3.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,870 |
| Q2 2024 | $36.6M | $31.6M | $18.5M | $4.9M | $188K | 1.03% | 4.30% | 3.49% | 3,868 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $8.0M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 80.6% | 29th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Belmont, OH, ranked 11th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Belmont, OH | 2 | $21.0M* | 0.87% | 11th |
| Jefferson, OH | 1 | $10.5M* | 0.69% | 12th |
Ohio: 314th with 0.01% · Wheeling metro: 17th, 0.36% · Weirton-Steubenville metro: 16th, 0.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3