| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | +6.0% | -2.4% | +8.4 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.2M | $72.0M | $44.7M | $7.9M | $52K | 0.26% | 4.37% | 1.01% | 6,460 |
| Q4 2025 | $77.1M | $70.7M | $45.0M | $7.8M | $523K | 0.68% | 4.54% | 1.09% | 6,483 |
| Q3 2025 | $73.1M | $65.9M | $44.7M | $7.7M | $343K | 0.63% | 4.73% | 1.35% | 6,524 |
| Q2 2025 | $73.6M | $66.7M | $43.2M | $7.6M | $176K | 0.48% | 4.60% | 0.88% | 6,471 |
| Q1 2025 | $73.7M | $67.0M | $42.1M | $7.5M | $122K | 0.66% | 4.46% | 0.40% | 6,432 |
| Q4 2024 | $71.9M | $64.9M | $42.1M | $7.4M | $543K | 0.76% | 4.37% | 0.97% | 6,411 |
| Q3 2024 | $72.2M | $65.7M | $41.3M | $7.2M | $337K | 0.62% | 4.25% | 0.92% | 6,466 |
| Q2 2024 | $71.6M | $65.0M | $40.8M | $7.2M | $290K | 0.81% | 4.16% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,497 |
Loan mix (Q1 2026): real estate $9.0M · commercial $6.8M · consumer $26.6M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 26th |
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 2024). Biggest market: Seneca, OH, ranked 11th with 2.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Seneca, OH | 2 | $66.7M* | 2.63% | 11th |
Ohio: 254th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2