Minerva Area
Minerva, OH · Charter 20622 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$17.9MAssets
$7.7MLoans
$15.1MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 125 of 1683).
- Widest gap: equity / assets trails 32% of credit unions under $1B in assets (rank 543 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.33%
Rank 327 of 1,683
Net Interest Margin
5.11%
Rank 125 of 1,683
Efficiency Ratio
69.88%
Rank 451 of 1,682
Equity / Assets
15.08%
Rank 543 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.35% | 0.74% | 1.18% | Beats 81% | 327 / 1,683 | |
| Return on Equity | 8.84% | 2.67% | 5.89% | 8.74% | Beats 75% | 412 / 1,681 | |
| Net Interest Margin | 5.11% | 3.31% | 3.82% | 4.32% | Beats 93% | 125 / 1,683 | |
| Efficiency Ratio | 69.88% | 68.91% | 78.20% | 86.93% | Beats 73% | 451 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 283 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.08% | 10.44% | 12.89% | 16.53% | Beats 68% | 543 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.08% | 10.44% | 12.89% | 16.53% | Beats 68% | 543 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.89% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,301 / 1,683 | |
| Loans / Assets | 43.06% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,300 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |