| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.2 pts |
| Share growth (YoY) | +8.3% | +0.9% | +7.4 pts |
| Loan growth (YoY) | -4.8% | -2.6% | -2.2 pts |
| ROA | 0.05% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.9M | $2.5M | $2.0M | $338K | $704 | 0.05% | 5.84% | 2.83% | 532 |
| Q1 2026 | $2.7M | $2.4M | $1.9M | $338K | $546 | 0.08% | 6.09% | 0.85% | 532 |
| Q4 2025 | $2.7M | $2.4M | $2.0M | $337K | $12K | 0.43% | 6.63% | 1.25% | 554 |
| Q3 2025 | $2.5M | $2.2M | $2.0M | $337K | $12K | 0.61% | 7.22% | 2.66% | 556 |
| Q2 2025 | $2.7M | $2.4M | $2.1M | $333K | $7K | 0.55% | 6.95% | 0.59% | 558 |
| Q1 2025 | $3.1M | $2.8M | $2.1M | $329K | $4K | 0.45% | 5.82% | 1.67% | 557 |
| Q4 2024 | $3.0M | $2.7M | $2.1M | $326K | $17K | 0.56% | 6.44% | 1.40% | 562 |
| Q3 2024 | $3.0M | $2.6M | $2.1M | $324K | $15K | 0.67% | 6.52% | 0.67% | 558 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.0M |
| $2.6M |
| $2.1M |
| $320K |
| $11K |
| 0.71% |
| 6.55% |
| 1.54% |
| 552 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $23K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 80.6% | 83rd |
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: Ohio, WV, ranked 11th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ohio, WV | 1 | $2.5M* | 0.10% | 11th |
West Virginia: 144th with 0.00% · Wheeling metro: 22nd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1