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Cridersville, OH · Charter 15438 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$62.6MAssets
$39.7MLoans
$56.2MShares
$6.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 130 of 1683).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets (rank 1370 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.39%
Rank 1,230 of 1,683
Net Interest Margin
5.07%
Rank 130 of 1,683
Efficiency Ratio
84.43%
Rank 1,161 of 1,682
Equity / Assets
10.16%
Rank 1,313 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,230 / 1,683 | |
| Return on Equity | 3.87% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,111 / 1,681 | |
| Net Interest Margin | 5.07% | 3.31% | 3.82% | 4.32% | Beats 92% | 130 / 1,683 | |
| Efficiency Ratio | 84.43% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,161 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,370 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,313 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,313 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.69% | 52.61% | 69.38% | 83.50% | 52nd pctl | 801 / 1,683 | |
| Loans / Assets | 63.40% | 44.71% | 59.18% | 70.72% | 59th pctl | 682 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |