| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.6% | +0.9% | -1.6 pts |
| Loan growth (YoY) | +7.7% | -2.6% | +10.4 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.1M | $10.2M | $5.3M | $1.8M | $55K | 0.91% | 3.98% | 1.65% | 1,049 |
| Q1 2026 | $12.4M | $10.6M | $5.3M | $1.8M | $24K | 0.77% | 3.81% | 1.47% | 1,038 |
| Q4 2025 | $11.9M | $10.1M | $5.2M | $1.8M | $172K | 1.45% | 3.94% | 1.34% | 1,043 |
| Q3 2025 | $12.2M | $10.4M | $5.0M | $1.7M | $154K | 1.68% | 3.83% | 0.29% | 1,043 |
| Q2 2025 | $12.0M | $10.3M | $5.0M | $1.7M | $78K | 1.30% | 3.88% | 0.09% | 1,049 |
| Q1 2025 | $12.1M | $10.5M | $5.2M | $1.6M | $37K | 1.23% | 3.85% | 0.00% | 1,044 |
| Q4 2024 | $12.2M | $10.6M | $4.9M | $1.6M | $153K | 1.25% | 3.92% | 0.05% | 1,025 |
| Q3 2024 | $11.6M | $10.0M | $4.8M | $1.6M | $113K | 1.30% | 4.10% | 0.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,032 |
| Q2 2024 | $11.5M | $10.0M | $4.4M | $1.5M | $63K | 1.10% | 4.01% | 0.12% | 1,030 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 80.6% | 46th |
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: Jefferson, OH, ranked 13th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, OH | 1 | $10.2M* | 0.67% | 13th |
Ohio: 358th with 0.00% · Weirton-Steubenville metro: 17th, 0.34% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1