| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.9 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.3M | $55.9M | $39.2M | $6.3M | $55K | 0.35% | 5.04% | 1.65% | 8,796 |
| Q4 2025 | $60.5M | $54.1M | $39.6M | $6.3M | $333K | 0.55% | 5.30% | 2.05% | 8,916 |
| Q3 2025 | $59.0M | $52.6M | $40.0M | $6.2M | $271K | 0.61% | 5.35% | 2.21% | 9,074 |
| Q2 2025 | $59.4M | $53.2M | $39.5M | $6.1M | $206K | 0.70% | 5.24% | 2.06% | 9,182 |
| Q1 2025 | $60.2M | $54.2M | $39.4M | $6.0M | $67K | 0.44% | 5.08% | 2.22% | 9,111 |
| Q4 2024 | $57.9M | $51.8M | $39.2M | $6.0M | $391K | 0.68% | 4.76% | 2.42% | 9,299 |
| Q3 2024 | $57.6M | $51.6M | $38.6M | $5.9M | $313K | 0.72% | 4.65% | 1.70% | 9,355 |
| Q2 2024 | $58.1M | $52.3M | $37.7M | $5.7M | $120K | 0.41% | 4.46% | 1.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,252 |
Loan mix (Q1 2026): real estate $11.8M · commercial $0 · consumer $24.0M · securities $12.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 81.5% | 57th |
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 1 state (+0 vs 2024). Biggest market: Allen, OH, ranked 12th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Allen, OH | 2 | $35.5M* | 1.18% | 12th |
| Auglaize, OH | 1 | $17.7M* | 1.26% | 10th |
Ohio: 276th with 0.01% · Lima metro: 12th, 1.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3