| Metric | Arcadia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.1% | +4.3 pts |
| Share growth (YoY) | +7.9% | +3.5% | +4.3 pts |
| Loan growth (YoY) | +10.9% | +2.9% | +8.0 pts |
| ROA | 1.27% | 0.74% | +0.5 pts |
| ROE | 9.8% | 6.5% | +3.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.2M | $123.7M | $111.4M | $18.6M | $914K | 1.27% | 3.46% | 0.46% | 7,046 |
| Q1 2026 | $142.0M | $122.1M | $108.4M | $18.1M | $432K | 1.22% | 3.43% | 0.37% | 7,002 |
| Q4 2025 | $139.0M | $119.6M | $105.9M | $17.7M | $1.7M | 1.21% | 3.58% | 0.44% | 6,958 |
| Q3 2025 | $134.6M | $115.7M | $103.1M | $17.2M | $1.2M | 1.16% | 3.62% | 0.42% | 6,950 |
| Q2 2025 | $133.0M | $114.7M | $100.5M | $16.7M | $718K | 1.08% | 3.59% | 0.21% | 6,899 |
| Q1 2025 | $132.6M | $114.8M | $100.8M | $16.3M | $311K | 0.94% | 3.48% | 0.20% | 6,870 |
| Q4 2024 | $129.0M | $111.5M | $101.0M | $16.0M | $1.1M | 0.82% | 3.28% | 0.15% | 6,800 |
| Q3 2024 | $126.0M | $108.8M | $99.8M | $15.6M | $697K | 0.74% | 3.28% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Arcadia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.74% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 6.5% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 6,744 |
| Q2 2024 | $125.8M | $108.8M | $97.0M | $15.3M | $394K | 0.63% | 3.23% | 0.08% | 6,674 |
Loan mix (Q2 2026): real estate $81.0M · commercial $11.5M · consumer $17.5M · securities $19.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 77.5% | 24th |
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 | Arcadia Credit Union | 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 | Arcadia Credit Union | 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 | Arcadia Credit Union | 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 | Arcadia Credit Union | 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 | Arcadia Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Trempealeau, WI, ranked 3rd with 11.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Trempealeau, WI | 1 | $123.7M* | 11.79% | 3rd |
Wisconsin: 194th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1