| Metric | Treadwell Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.0% | +7.0 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +7.8% | +3.0% | +4.9 pts |
| ROA | 0.35% | 0.74% | -0.4 pts |
| ROE | 3.9% | 6.5% | -2.6 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 | $134.2M | $119.9M | $110.4M | $12.1M | $235K | 0.35% | 3.55% | 0.87% | 7,797 |
| Q1 2026 | $136.3M | $122.5M | $108.4M | $12.0M | $98K | 0.29% | 3.44% | 0.76% | 7,822 |
| Q4 2025 | $136.7M | $120.3M | $110.1M | $11.9M | $2.1M | 1.53% | 3.40% | 0.66% | 7,946 |
| Q3 2025 | $136.4M | $118.7M | $112.8M | $11.8M | $2.0M | 1.92% | 3.28% | 0.46% | 8,337 |
| Q2 2025 | $133.8M | $119.7M | $110.4M | $11.2M | $1.8M | 2.63% | 3.15% | 0.52% | 8,721 |
| Q1 2025 | $122.8M | $112.2M | $100.5M | $10.6M | $67K | 0.22% | 3.24% | 0.58% | 7,404 |
| Q4 2024 | $122.7M | $112.3M | $99.8M | $10.6M | $393K | 0.32% | 2.97% | 0.65% | 7,321 |
| Q3 2024 | $119.8M | $109.6M | $98.0M | $10.4M | $158K | 0.18% | 2.95% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Treadwell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 7,467 |
| Q2 2024 | $121.6M | $111.7M | $96.6M | $10.4M | $120K | 0.20% | 2.90% | 0.39% | 7,496 |
Loan mix (Q2 2026): real estate $36.3M · commercial $14.1M · consumer $55.2M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 72nd |
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 | Treadwell Credit Union | 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 | Treadwell Credit Union | 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 | Treadwell Credit Union | 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 | Treadwell Credit Union | 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 | Treadwell Credit Union | 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 2025). Biggest market: Montgomery, OH, ranked 20th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, OH | 2 | $79.8M* | 0.54% | 20th |
| Warren, OH | 1 | $39.9M* | 0.59% | 20th |
Ohio: 194th with 0.02% · Dayton-Kettering-Beavercreek metro: 28th, 0.35% · Cincinnati metro: 66th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3