| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | +8.3% | +0.7% | +7.7 pts |
| Loan growth (YoY) | +6.8% | -2.4% | +9.2 pts |
| ROA | -0.69% | 0.60% | -1.3 pts |
| ROE | -6.2% | 4.1% | -10.3 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.0M | $15.4M | $13.4M | $1.9M | $-29K | -0.69% | 4.23% | 2.27% | 3,456 |
| Q4 2025 | $16.8M | $14.9M | $13.4M | $2.0M | $-696K | -4.14% | 4.31% | 3.47% | 3,531 |
| Q3 2025 | $16.5M | $14.1M | $13.1M | $2.3M | $-387K | -3.13% | 4.51% | 3.57% | 3,858 |
| Q2 2025 | $17.2M | $14.5M | $13.0M | $2.6M | $-168K | -1.96% | 4.25% | 4.65% | 4,207 |
| Q1 2025 | $17.2M | $14.2M | $12.6M | $2.8M | $31K | 0.73% | 4.20% | 3.13% | 4,324 |
| Q4 2024 | $16.4M | $13.3M | $12.8M | $2.9M | $-537K | -3.27% | 4.27% | 3.62% | 4,300 |
| Q3 2024 | $16.7M | $13.4M | $12.7M | $3.1M | $-401K | -3.19% | 4.18% | 3.03% | 4,299 |
| Q2 2024 | $16.1M | $12.6M | $12.1M | $1.7M | $-301K | -3.75% | 4.38% | 2.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.69% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -6.2% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,335 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $4.2M · securities $35K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.8% | 81.5% | 88th |
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 2024). Biggest market: Lucas, OH, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lucas, OH | 2 | $14.5M* | 0.11% | 34th |
Ohio: 344th with 0.00% · Toledo metro: 42nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2