| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | -6.5% | -2.6% | -3.8 pts |
| ROA | 1.35% | 0.65% | +0.7 pts |
| ROE | 8.4% | 4.4% | +4.1 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.3M | $37.6M | $19.1M | $7.1M | $300K | 1.35% | 4.50% | 1.01% | 15,286 |
| Q1 2026 | $43.9M | $37.3M | $19.3M | $7.0M | $161K | 1.46% | 4.50% | 0.28% | 15,373 |
| Q4 2025 | $44.2M | $37.4M | $19.8M | $6.9M | $835K | 1.89% | 4.68% | 0.14% | 15,568 |
| Q3 2025 | $43.3M | $37.1M | $20.7M | $6.6M | $590K | 1.82% | 4.79% | 0.58% | 15,594 |
| Q2 2025 | $42.7M | $36.6M | $20.4M | $6.3M | $316K | 1.48% | 4.86% | 0.28% | 15,647 |
| Q1 2025 | $43.0M | $36.4M | $19.8M | $6.2M | $163K | 1.52% | 4.78% | 0.35% | 15,831 |
| Q4 2024 | $42.6M | $36.6M | $19.6M | $6.0M | $979K | 2.30% | 4.92% | 0.14% | 16,276 |
| Q3 2024 | $42.6M | $37.0M | $20.0M | $5.8M | $727K | 2.28% | 4.88% | 0.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 16,616 |
| Q2 2024 | $41.9M | $36.6M | $19.2M | $5.5M | $479K | 2.29% | 4.88% | 0.47% | 16,877 |
Loan mix (Q2 2026): real estate $559K · commercial $0 · consumer $12.7M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 80.6% | 53rd |
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.
3 branches in 3 counties across 2 states (+1 vs 2025). Biggest market: Ramsey, MN, ranked 55th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ramsey, MN | 1 | $12.5M* | 0.02% | 55th |
| Outagamie, WI | 1 | $12.5M* | 0.15% | 27th |
| Waukesha, WI | 1 | $12.5M* | 0.05% | 60th |
Wisconsin: 275th with 0.01% · Minnesota: 354th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 164th, 0.00% · Appleton metro: 34th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3