| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.3% | +1.3% | -9.6 pts |
| Share growth (YoY) | -11.5% | +0.7% | -12.2 pts |
| Loan growth (YoY) | -15.5% | -2.4% | -13.2 pts |
| ROA | -1.34% | 0.60% | -1.9 pts |
| ROE | -5.5% | 4.1% | -9.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.5M | $1.3M | $498K | $-7K | -1.34% | 5.67% | 1.31% | 626 |
| Q4 2025 | $2.1M | $1.5M | $1.3M | $502K | $23K | 1.11% | 6.01% | 0.56% | 627 |
| Q3 2025 | $2.1M | $1.6M | $1.3M | $487K | $4K | 0.28% | 6.13% | 0.02% | 626 |
| Q2 2025 | $2.1M | $1.6M | $1.5M | $488K | $12K | 1.10% | 6.10% | 0.30% | 632 |
| Q1 2025 | $2.2M | $1.7M | $1.6M | $485K | $6K | 1.07% | 6.00% | 0.56% | 644 |
| Q4 2024 | $2.3M | $1.8M | $1.6M | $479K | $-24K | -1.05% | 6.54% | 1.22% | 644 |
| Q3 2024 | $2.4M | $1.9M | $1.8M | $510K | $7K | 0.39% | 6.40% | 1.92% | 643 |
| Q2 2024 | $2.4M | $1.9M | $1.9M | $502K | $111 | 0.01% | 6.56% | 8.62% | 642 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.34% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $10K · commercial $0 · consumer $1.2M · securities $28K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.1% | 81.5% | 92nd |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Waukesha, WI, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Waukesha, WI | 4 | $1.6M* | 0.01% | 56th |
Wisconsin: 313th with 0.00% · Milwaukee-Waukesha metro: 78th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4