| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.1% | +0.9% | +6.1 pts |
| Loan growth (YoY) | -2.1% | -2.6% | +0.5 pts |
| ROA | 2.11% | 0.65% | +1.5 pts |
| ROE | 19.5% | 4.4% | +15.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.3M | $49.8M | $31.5M | $6.1M | $594K | 2.11% | 3.78% | 0.73% | 3,587 |
| Q1 2026 | $55.2M | $48.9M | $31.1M | $5.8M | $284K | 2.06% | 3.82% | 0.17% | 3,596 |
| Q4 2025 | $53.6M | $47.7M | $31.1M | $5.5M | $407K | 0.76% | 3.06% | 0.22% | 3,610 |
| Q3 2025 | $53.0M | $46.7M | $32.4M | $5.8M | $739K | 1.86% | 3.96% | 0.91% | 3,660 |
| Q2 2025 | $52.6M | $46.6M | $32.1M | $5.5M | $441K | 1.68% | 3.95% | 0.37% | 3,678 |
| Q1 2025 | $52.0M | $45.5M | $30.9M | $5.3M | $262K | 2.02% | 3.89% | 0.10% | 3,688 |
| Q4 2024 | $49.9M | $44.4M | $30.2M | $5.1M | $440K | 0.88% | 3.13% | 0.19% | 3,701 |
| Q3 2024 | $49.5M | $43.6M | $29.2M | $5.4M | $745K | 2.01% | 3.90% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,721 |
| Q2 2024 | $51.0M | $45.4M | $29.7M | $5.1M | $477K | 1.87% | 3.75% | 0.20% | 3,723 |
Loan mix (Q2 2026): real estate $21.3M · commercial $2.5M · consumer $5.8M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 80.6% | 5th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Portage, WI, ranked 19th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portage, WI | 2 | $49.8M* | 1.64% | 19th |
Wisconsin: 246th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2