| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.1% | -4.5 pts |
| Share growth (YoY) | -0.5% | +3.5% | -4.0 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.1 pts |
| ROA | 0.44% | 0.74% | -0.3 pts |
| ROE | 3.9% | 6.5% | -2.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.7M | $144.5M | $80.3M | $18.3M | $358K | 0.44% | 3.98% | 2.34% | 13,693 |
| Q1 2026 | $163.5M | $145.4M | $80.8M | $17.9M | $17K | 0.04% | 3.96% | 1.43% | 13,913 |
| Q4 2025 | $163.4M | $144.6M | $82.9M | $17.9M | $-240K | -0.15% | 3.66% | 1.14% | 14,044 |
| Q3 2025 | $162.1M | $143.7M | $80.1M | $17.9M | $-253K | -0.21% | 3.62% | 1.71% | 14,240 |
| Q2 2025 | $163.5M | $145.2M | $81.2M | $18.1M | $-106K | -0.13% | 3.54% | 1.81% | 14,395 |
| Q1 2025 | $164.6M | $146.4M | $81.6M | $18.1M | $-87K | -0.21% | 3.42% | 2.30% | 14,486 |
| Q4 2024 | $160.5M | $141.9M | $84.2M | $18.2M | $-267K | -0.17% | 3.83% | 1.02% | 14,589 |
| Q3 2024 | $159.9M | $141.2M | $87.5M | $18.6M | $123K | 0.10% | 3.94% |
| Ratio | Trupartner Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.74% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 6.5% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.57% |
| 14,824 |
| Q2 2024 | $165.1M | $144.9M | $89.3M | $18.8M | $342K | 0.41% | 3.89% | 1.17% | 14,969 |
Loan mix (Q2 2026): real estate $28.9M · commercial $17.9M · consumer $25.8M · securities $51.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 77.5% | 60th |
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 | Trupartner 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 | Trupartner 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 | Trupartner 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 | Trupartner 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 | Trupartner 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.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Hamilton, OH, ranked 26th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 4 | $144.5M* | 0.09% | 26th |
Ohio: 180th with 0.02% · Cincinnati metro: 48th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4