C E S
Mount Vernon, OH · Charter 62352 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$244.3MAssets
$143.8MLoans
$210.7MShares
$32.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets (rank 69 of 1681).
- Widest gap: equity / assets trails 48% of credit unions under $1B in assets (rank 801 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.84%
Rank 108 of 1,683
Net Interest Margin
4.03%
Rank 646 of 1,683
Efficiency Ratio
63.94%
Rank 265 of 1,682
Equity / Assets
13.10%
Rank 801 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 94% | 108 / 1,683 | |
| Return on Equity | 14.05% | 2.67% | 5.89% | 8.74% | Beats 96% | 69 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 62% | 646 / 1,683 | |
| Efficiency Ratio | 63.94% | 68.91% | 78.20% | 86.93% | Beats 84% | 265 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 303 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.10% | 10.44% | 12.89% | 16.53% | Beats 52% | 801 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.10% | 10.44% | 12.89% | 16.53% | Beats 52% | 801 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 68.26% | 52.61% | 69.38% | 83.50% | 48th pctl | 868 / 1,683 | |
| Loans / Assets | 58.87% | 44.71% | 59.18% | 70.72% | 49th pctl | 854 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |