| Metric | WCF Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 0.10% | 1.24% | -1.1 pts |
| ROE | 1.3% | 11.9% | -10.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.4M | $173.7M | $174.3M | $17.6M | $111K | 0.10% | 2.71% | 4.02% |
| Q1 2026 | $226.8M | $176.9M | $172.6M | $17.6M | $-31K | -0.05% | 2.50% | 4.25% |
| Q4 2025 | $227.5M | $172.2M | $172.3M | $17.6M | $-2.3M | -1.01% | 2.37% | 4.07% |
| Q3 2025 | $226.4M | $160.8M | $172.9M | $20.2M | $192K | 0.11% | 2.64% | 1.71% |
| Q2 2025 | $221.3M | $166.3M | $166.8M | $20.3M | $43K | 0.04% | 2.58% | 1.91% |
| Q1 2025 | $219.6M | $168.7M | $166.5M | $20.6M | $23K | 0.04% | 2.55% | 1.63% |
| Q4 2024 | $226.7M | $161.9M | $166.9M | $20.3M | $-32K | -0.02% | 2.42% | 0.54% |
| Q3 2024 | $212.2M | $157.1M | $168.0M | $20.7M | $85K | 0.06% | 2.41% | 0.36% |
Loan mix (Q2 2026): real estate $147.1M · commercial $9.2M · consumer $7.2M · securities $22.8M
| Ratio | WCF Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.3% | 62.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | WCF Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | WCF Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | WCF Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | WCF Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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