| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -3.8% | +0.9% | -4.7 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.5 pts |
| ROA | 0.02% | 0.65% | -0.6 pts |
| ROE | 0.5% | 4.4% | -3.9 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.6M | $10.9M | $8.3M | $583K | $1K | 0.02% | 4.50% | 6.08% | 804 |
| Q1 2026 | $11.7M | $11.0M | $8.4M | $557K | $-25K | -0.86% | 4.43% | 2.18% | 805 |
| Q4 2025 | $11.5M | $10.8M | $8.6M | $582K | $-135K | -1.17% | 4.30% | 3.92% | 806 |
| Q3 2025 | $11.7M | $11.1M | $8.6M | $557K | $-161K | -1.82% | 4.10% | 4.32% | 806 |
| Q2 2025 | $12.1M | $11.4M | $8.9M | $629K | $-82K | -1.35% | 3.90% | 4.80% | 805 |
| Q1 2025 | $11.7M | $10.9M | $9.1M | $751K | $10K | 0.35% | 3.97% | 4.15% | 814 |
| Q4 2024 | $11.3M | $10.5M | $9.3M | $741K | $-46K | -0.41% | 3.91% | 6.71% | 812 |
| Q3 2024 | $11.5M | $10.6M | $9.4M | $786K | $-1K | -0.01% | 4.32% | 4.11% | 809 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.4% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.1M | $10.3M | $9.5M | $784K | $-26K | -0.47% | 4.47% | 2.45% | 894 |
Loan mix (Q2 2026): real estate $2.0M · commercial $48K · consumer $6.3M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 80.6% | 49th |
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 2025). Biggest market: Butler, OH, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Butler, OH | 1 | $10.9M* | 0.11% | 29th |
Ohio: 356th with 0.00% · Cincinnati metro: 84th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1