Cloverbelt Credit Union
Total assets
$349.8M
▲ +7.8% YoY
Shares & deposits
$304.5M
▲ +9.0% YoY
Loans
$274.8M
▲ +8.2% YoY
Members
16,292
▼ -0.1% YoY
ROA (annualized)
0.75%
peers 0.69%
ROE (annualized)
6.08%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +9.0% | +3.3% | +5.7 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.3 pts |
| ROA | 0.75% | 0.69% | +0.1 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 659, Wausau, WI, 54402
- NCUA charter #
- 66844
- RSSD ID
- 850492
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $349.8M | $304.5M | $274.8M | $43.0M | $654K | 0.75% | 2.98% | 0.19% | 16,292 |
| Q4 2025 | $342.0M | $297.4M | $271.7M | $42.3M | $2.6M | 0.76% | 2.71% | 0.13% | 16,282 |
| Q3 2025 | $334.4M | $290.4M | $269.4M | $41.7M | $1.9M | 0.75% | 2.68% | 0.11% | 16,323 |
| Q2 2025 | $331.9M | $286.1M | $258.9M | $40.9M | $1.2M | 0.69% | 2.57% | 0.02% | 16,328 |
| Q1 2025 | $324.5M | $279.4M | $253.9M | $40.3M | $498K | 0.61% | 2.46% | 0.13% | 16,313 |
| Q4 2024 | $317.6M | $272.9M | $249.3M | $39.8M | $1.1M | 0.34% | 2.25% | 0.06% | 16,313 |
| Q3 2024 | $309.7M | $262.5M | $246.6M | $39.4M | $668K | 0.29% | 2.24% | 0.09% | 16,400 |
| Q2 2024 | $310.5M | $263.6M | $243.6M | $39.1M | $333K | 0.21% | 2.17% | 0.05% | 16,502 |
Loan mix (Q1 2026): real estate $175.3M · commercial $36.2M · consumer $48.0M · securities $38.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Cloverbelt Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.62% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th | |
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% |
Balance sheet
| Ratio | Cloverbelt 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% |
Capital
| Ratio | Cloverbelt 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% |
Credit quality
| Ratio | Cloverbelt 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% |
Franchise
| Ratio | Cloverbelt 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% |
12 more ratios, with trends and peer percentiles.
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