| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.4 pts |
| Loan growth (YoY) | -10.7% | -2.6% | -8.1 pts |
| ROA | -0.51% | 0.65% | -1.2 pts |
| ROE | -5.3% | 4.4% | -9.7 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.3M | $20.1M | $10.0M | $2.1M | $-56K | -0.51% | 4.21% | 5.13% | 3,195 |
| Q1 2026 | $22.6M | $20.3M | $10.2M | $2.2M | $-4K | -0.07% | 4.09% | 2.94% | 3,206 |
| Q4 2025 | $22.1M | $19.9M | $10.6M | $2.2M | $-37K | -0.17% | 4.47% | 1.40% | 3,224 |
| Q3 2025 | $21.6M | $19.3M | $10.9M | $2.3M | $14K | 0.09% | 4.64% | 1.86% | 3,281 |
| Q2 2025 | $22.2M | $19.8M | $11.2M | $2.3M | $7K | 0.07% | 4.57% | 1.91% | 3,300 |
| Q1 2025 | $22.6M | $20.2M | $11.6M | $2.3M | $11K | 0.20% | 4.54% | 1.91% | 3,472 |
| Q4 2024 | $22.3M | $19.9M | $11.9M | $2.2M | $8K | 0.03% | 4.90% | 1.93% | 3,502 |
| Q3 2024 | $22.4M | $19.9M | $12.0M | $2.3M | $59K | 0.35% | 4.92% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.51% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -5.3% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,526 |
| Q2 2024 | $22.9M | $20.4M | $12.3M | $2.3M | $70K | 0.62% | 4.87% | 2.20% | 3,544 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $7.2M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.0% | 80.6% | 93rd |
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: Cuyahoga, OH, ranked 42nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $20.1M* | 0.02% | 42nd |
Ohio: 332nd with 0.00% · Cleveland metro: 63rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 1 · 2024 1 · 2025 1 · 2026 1