540 I.B.E.W.
Massillon, OH · Charter 96652 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.5MAssets
$926KLoans
$1.3MShares
$173KNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 70% of credit unions under $1B in assets (rank 496 of 1681).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets (rank 1485 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.94%
Rank 642 of 1,683
Net Interest Margin
3.61%
Rank 1,028 of 1,683
Efficiency Ratio
77.42%
Rank 799 of 1,682
Equity / Assets
11.56%
Rank 1,067 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.35% | 0.74% | 1.18% | Beats 62% | 642 / 1,683 | | |
| Return on Equity | 8.09% | 2.67% | 5.89% | 8.74% | Beats 70% | 496 / 1,681 | | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,028 / 1,683 | | |
| Efficiency Ratio | 77.42% | 68.91% | 78.20% | 86.93% | Beats 53% | 799 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.27% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,485 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,067 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.56% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,067 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.05% | 52.61% | 69.38% | 83.50% | 51st pctl | 825 / 1,683 | | |
| Loans / Assets | 61.90% | 44.71% | 59.18% | 70.72% | 56th pctl | 733 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |