| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.3 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.4 pts |
| ROA | 1.49% | 0.65% | +0.8 pts |
| ROE | 12.3% | 4.4% | +7.9 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.4M | $56.9M | $35.2M | $7.9M | $487K | 1.49% | 4.03% | 1.03% | 6,560 |
| Q1 2026 | $65.4M | $57.2M | $35.6M | $7.7M | $196K | 1.20% | 3.92% | 1.01% | 6,475 |
| Q4 2025 | $64.1M | $56.2M | $36.1M | $7.5M | $476K | 0.74% | 3.82% | 1.15% | 6,475 |
| Q3 2025 | $63.5M | $55.7M | $36.1M | $7.3M | $350K | 0.74% | 3.81% | 1.10% | 6,457 |
| Q2 2025 | $61.7M | $54.1M | $36.3M | $7.2M | $191K | 0.62% | 3.79% | 1.23% | 6,424 |
| Q1 2025 | $61.0M | $53.5M | $36.0M | $7.1M | $88K | 0.58% | 3.71% | 1.03% | 6,317 |
| Q4 2024 | $57.4M | $50.0M | $36.4M | $7.1M | $689K | 1.20% | 3.71% | 0.88% | 6,249 |
| Q3 2024 | $55.7M | $48.3M | $36.3M | $7.0M | $610K | 1.46% | 3.78% | 0.95% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,210 |
| Q2 2024 | $53.4M | $46.1M | $36.7M | $6.8M | $416K | 1.56% | 3.85% | 0.70% | 6,132 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $28.2M · securities $16.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 80.6% | 18th |
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.
5 branches in 5 counties across 1 state (+1 vs 2025). Biggest market: Guernsey, OH, ranked 8th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guernsey, OH | 1 | $11.4M* | 1.18% | 8th |
| Noble, OH | 1 | $11.4M* | 2.33% | 4th |
| Washington, OH | 1 | $11.4M* | 0.41% | 12th |
| 2 more counties with Pro → | ||||
Ohio: 271st with 0.01% · Columbus metro: 79th, 0.01% · Wheeling metro: 18th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5