| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.3 pts |
| Loan growth (YoY) | +20.1% | -2.4% | +22.5 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.7M | $4.4M | $3.9M | $1.3M | $20K | 1.39% | 4.64% | 0.43% | 799 |
| Q4 2025 | $6.0M | $4.3M | $3.7M | $1.2M | $41K | 0.68% | 4.39% | 0.46% | 808 |
| Q3 2025 | $5.8M | $4.5M | $3.3M | $1.3M | $84K | 1.95% | 5.14% | 0.00% | 803 |
| Q2 2025 | $5.6M | $4.4M | $3.2M | $1.3M | $98K | 3.48% | 5.23% | 0.00% | 787 |
| Q1 2025 | $5.7M | $4.5M | $3.2M | $1.2M | $39K | 2.72% | 5.54% | 0.00% | 800 |
| Q4 2024 | $5.9M | $4.7M | $3.4M | $1.2M | $55K | 0.94% | 4.60% | 1.16% | 794 |
| Q3 2024 | $5.8M | $4.6M | $3.4M | $1.2M | $43K | 1.00% | 4.57% | 0.32% | 801 |
| Q2 2024 | $5.6M | $4.5M | $3.3M | $1.2M | $25K | 0.89% | 4.48% | 0.00% | 812 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.1M · commercial $58K · consumer $2.6M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 81.5% | 27th |
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: Hamilton, OH, ranked 52nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $4.4M* | 0.00% | 52nd |
Ohio: 381st with 0.00% · Cincinnati metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1