Golden Circle
Massillon, OH · Charter 61239 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$107.3MAssets
$44.7MLoans
$91.4MShares
$16.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 164 of 1683).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets (rank 1482 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.30%
Rank 1,313 of 1,683
Net Interest Margin
4.91%
Rank 164 of 1,683
Efficiency Ratio
93.16%
Rank 1,465 of 1,682
Equity / Assets
15.63%
Rank 482 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,313 / 1,683 | | |
| Return on Equity | 1.90% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,356 / 1,681 | | |
| Net Interest Margin | 4.91% | 3.31% | 3.82% | 4.32% | Beats 90% | 164 / 1,683 | | |
| Efficiency Ratio | 93.16% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,465 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.24% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,482 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.63% | 10.44% | 12.89% | 16.53% | Beats 71% | 482 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.63% | 10.44% | 12.89% | 16.53% | Beats 71% | 482 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.93% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,339 / 1,683 | | |
| Loans / Assets | 41.69% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,325 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |