| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -7.2% | -2.4% | -4.8 pts |
| ROA | 0.79% | 0.60% | +0.2 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.7M | $7.7M | $3.0M | $1.9M | $19K | 0.79% | 2.94% | 0.05% | 611 |
| Q4 2025 | $9.6M | $7.6M | $3.1M | $1.9M | $86K | 0.89% | 2.95% | 0.00% | 625 |
| Q3 2025 | $9.5M | $7.6M | $3.2M | $1.8M | $66K | 0.93% | 3.01% | 0.00% | 640 |
| Q2 2025 | $9.8M | $7.9M | $3.2M | $1.8M | $43K | 0.88% | 2.87% | 0.00% | 658 |
| Q1 2025 | $9.9M | $8.0M | $3.3M | $1.8M | $20K | 0.80% | 2.76% | 0.00% | 665 |
| Q4 2024 | $9.6M | $7.8M | $3.3M | $1.8M | $53K | 0.55% | 2.56% | 0.00% | 682 |
| Q3 2024 | $9.7M | $7.8M | $3.4M | $1.8M | $31K | 0.43% | 2.40% | 0.00% | 689 |
| Q2 2024 | $9.8M | $7.9M | $3.7M | $1.7M | $19K | 0.39% | 2.31% | 0.00% | 701 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $591K · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31st |
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 49th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $7.9M* | 0.01% | 49th |
Ohio: 366th with 0.00% · Cleveland metro: 73rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1