| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.9% | +1.3% | -15.2 pts |
| Share growth (YoY) | -15.8% | +0.9% | -16.8 pts |
| Loan growth (YoY) | +5.1% | -2.6% | +7.7 pts |
| ROA | 0.46% | 0.65% | -0.2 pts |
| ROE | 4.7% | 4.4% | +0.4 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.2M | $22.2M | $7.7M | $2.4M | $56K | 0.46% | 2.76% | 0.30% | 1,787 |
| Q1 2026 | $25.5M | $23.5M | $7.6M | $2.3M | $25K | 0.39% | 2.53% | 0.01% | 1,815 |
| Q4 2025 | $26.0M | $24.1M | $8.0M | $2.3M | $11K | 0.04% | 2.33% | 0.45% | 1,828 |
| Q3 2025 | $27.0M | $24.9M | $7.5M | $2.3M | $-24K | -0.12% | 2.19% | 0.56% | 1,829 |
| Q2 2025 | $28.2M | $26.4M | $7.3M | $2.2M | $-72K | -0.51% | 1.96% | 0.04% | 1,829 |
| Q1 2025 | $28.0M | $26.2M | $7.1M | $2.3M | $-44K | -0.64% | 1.65% | 0.05% | 1,819 |
| Q4 2024 | $27.6M | $25.5M | $7.3M | $2.3M | $31K | 0.11% | 2.06% | 0.16% | 1,838 |
| Q3 2024 | $26.8M | $24.7M | $7.4M | $2.3M | $-20K | -0.10% | 1.98% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,907 |
| Q2 2024 | $25.7M | $23.7M | $7.3M | $2.8M | $-49K | -0.38% | 1.00% | 0.02% | 1,815 |
Loan mix (Q2 2026): real estate $1.5M · commercial $0 · consumer $5.9M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 80.6% | 71st |
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.
3 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Lucas, OH, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lucas, OH | 2 | $14.8M* | 0.11% | 33rd |
| Fulton, GA | 1 | $7.4M* | 0.01% | 68th |
Ohio: 345th with 0.00% · Georgia: 260th with 0.00% · Toledo metro: 41st, 0.08% · Atlanta-Sandy Springs-Roswell metro: 123rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3