| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +1.3% | +12.2 pts |
| Share growth (YoY) | +14.5% | +0.9% | +13.6 pts |
| Loan growth (YoY) | +0.1% | -2.6% | +2.7 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.1M | $58.2M | $28.9M | $5.6M | $126K | 0.39% | 3.50% | 0.43% | 4,836 |
| Q1 2026 | $62.4M | $56.5M | $28.4M | $5.6M | $66K | 0.42% | 3.54% | 0.89% | 4,864 |
| Q4 2025 | $59.9M | $54.0M | $29.4M | $5.5M | $220K | 0.37% | 3.37% | 0.61% | 4,876 |
| Q3 2025 | $58.9M | $53.2M | $28.6M | $5.4M | $197K | 0.45% | 3.29% | 0.62% | 4,905 |
| Q2 2025 | $56.5M | $50.8M | $28.9M | $5.3M | $109K | 0.39% | 3.31% | 0.85% | 4,961 |
| Q1 2025 | $56.5M | $50.9M | $28.4M | $5.2M | $14K | 0.10% | 3.10% | 0.89% | 4,972 |
| Q4 2024 | $56.5M | $51.1M | $28.2M | $5.2M | $253K | 0.45% | 2.89% | 0.71% | 5,030 |
| Q3 2024 | $53.5M | $48.1M | $28.7M | $5.1M | $114K | 0.28% | 2.95% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,112 |
| Q2 2024 | $54.7M | $49.4M | $28.7M | $5.0M | $59K | 0.21% | 2.83% | 0.53% | 5,144 |
Loan mix (Q2 2026): real estate $6.4M · commercial $0 · consumer $20.6M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 80.6% | 61st |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lucas, OH, ranked 23rd with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lucas, OH | 2 | $58.2M* | 0.44% | 23rd |
Ohio: 269th with 0.01% · Toledo metro: 28th, 0.32% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2