| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.7% | +0.9% | -1.6 pts |
| Loan growth (YoY) | +5.0% | -2.6% | +7.6 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 7.8% | 4.4% | +3.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $99.7M | $88.0M | $40.5M | $11.3M | $439K | 0.88% | 3.40% | 0.27% | 5,176 |
| Q1 2026 | $100.6M | $89.2M | $40.2M | $11.0M | $198K | 0.79% | 3.21% | 0.33% | 5,173 |
| Q4 2025 | $99.2M | $88.0M | $38.7M | $10.8M | $1.0M | 1.01% | 3.25% | 0.35% | 5,137 |
| Q3 2025 | $99.0M | $88.0M | $38.7M | $10.5M | $725K | 0.98% | 3.16% | 2.13% | 5,169 |
| Q2 2025 | $99.2M | $88.6M | $38.6M | $10.1M | $302K | 0.61% | 3.05% | 2.02% | 5,193 |
| Q1 2025 | $97.0M | $86.4M | $37.3M | $10.0M | $170K | 0.70% | 3.06% | 0.58% | 5,191 |
| Q4 2024 | $93.4M | $83.2M | $37.2M | $9.8M | $216K | 0.23% | 2.54% | 0.48% | 5,210 |
| Q3 2024 | $91.0M | $80.8M | $36.4M | $9.8M | $152K | 0.22% | 2.52% | 0.63% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,279 |
| Q2 2024 | $91.3M | $81.2M | $35.3M | $9.6M | $41K | 0.09% | 2.42% | 0.21% | 5,313 |
Loan mix (Q2 2026): real estate $15.6M · commercial $10.1M · consumer $14.3M · securities $46.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 80.6% | 34th |
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.
4 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Lucas, OH, ranked 18th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lucas, OH | 4 | $88.0M* | 0.66% | 18th |
Ohio: 228th with 0.01% · Toledo metro: 22nd, 0.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4