| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -6.4% | +0.9% | -7.3 pts |
| Loan growth (YoY) | -21.6% | -2.6% | -19.0 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 2.5% | 4.4% | -1.8 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $360K | $290K | $124K | $66K | $844 | 0.47% | 4.22% | 24.93% | 308 |
| Q1 2026 | $365K | $296K | $135K | $67K | $1K | 1.14% | 4.51% | 16.12% | 309 |
| Q4 2025 | $370K | $301K | $147K | $66K | $-4K | -1.13% | 3.43% | 22.05% | 299 |
| Q3 2025 | $367K | $299K | $156K | $66K | $-899 | -0.33% | 3.47% | 2.57% | 305 |
| Q2 2025 | $379K | $310K | $159K | $67K | $-253 | -0.13% | 3.46% | 0.00% | 309 |
| Q1 2025 | $403K | $334K | $176K | $67K | $-231 | -0.23% | 3.35% | 0.00% | 308 |
| Q4 2024 | $419K | $349K | $160K | $67K | $1K | 0.25% | 3.41% | 0.00% | 307 |
| Q3 2024 | $414K | $345K | $165K | $66K | $294 | 0.09% | 3.43% | 2.62% | 312 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $425K | $357K | $169K | $66K | $270 | 0.13% | 3.36% | 0.19% | 318 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $112K · securities $93K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 80.6% | 70th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montgomery, OH, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, OH | 2 | $290K* | 0.00% | 36th |
Ohio: 400th with 0.00% · Dayton-Kettering-Beavercreek metro: 43rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2