| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.8% | +1.3% | -12.1 pts |
| Share growth (YoY) | -11.7% | +0.9% | -12.6 pts |
| Loan growth (YoY) | -16.4% | -2.6% | -13.8 pts |
| ROA | -0.17% | 0.65% | -0.8 pts |
| ROE | -1.8% | 4.4% | -6.1 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.6M | $4.1M | $2.4M | $444K | $-4K | -0.17% | 5.09% | 0.09% | 734 |
| Q1 2026 | $4.4M | $4.0M | $2.6M | $443K | $-5K | -0.47% | 5.30% | 0.16% | 731 |
| Q4 2025 | $4.8M | $4.2M | $2.7M | $448K | $-19K | -0.39% | 5.21% | 0.06% | 618 |
| Q3 2025 | $4.9M | $4.4M | $2.7M | $491K | $24K | 0.65% | 5.03% | 0.00% | 622 |
| Q2 2025 | $5.1M | $4.6M | $2.8M | $460K | $18K | 0.69% | 4.72% | 0.00% | 620 |
| Q1 2025 | $5.3M | $4.8M | $2.8M | $478K | $35K | 2.67% | 4.22% | 0.00% | 615 |
| Q4 2024 | $5.3M | $4.9M | $2.8M | $443K | $-82K | -1.55% | 4.73% | 0.00% | 623 |
| Q3 2024 | $5.4M | $5.0M | $2.9M | $468K | $-57K | -1.41% | 4.77% | 0.13% | 634 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.6M | $5.1M | $3.2M | $510K | $-15K | -0.54% | 4.55% | 0.05% | 646 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.8% | 80.6% | 90th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clermont, OH, ranked 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clermont, OH | 1 | $4.1M* | 0.07% | 25th |
Ohio: 383rd with 0.00% · Cincinnati metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1