| Metric | Co-Op Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.8% | +3.8 pts |
| Share growth (YoY) | +8.5% | +4.3% | +4.2 pts |
| Loan growth (YoY) | +9.3% | +4.3% | +5.0 pts |
| ROA | 1.13% | 0.62% | +0.5 pts |
| ROE | 9.9% | 5.9% | +3.9 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $615.0M | $540.6M | $512.2M | $70.6M | $1.7M | 1.13% | 3.10% | 0.46% | 23,640 |
| Q4 2025 | $601.4M | $528.2M | $509.8M | $68.9M | $6.0M | 1.00% | 2.91% | 0.72% | 23,551 |
| Q3 2025 | $573.2M | $501.8M | $499.2M | $67.2M | $4.4M | 1.02% | 2.97% | 0.51% | 23,563 |
| Q2 2025 | $570.8M | $500.6M | $482.9M | $65.6M | $2.8M | 0.97% | 2.89% | 0.53% | 23,560 |
| Q1 2025 | $566.8M | $498.1M | $468.5M | $64.1M | $1.3M | 0.93% | 2.83% | 0.49% | 23,309 |
| Q4 2024 | $571.7M | $504.2M | $460.6M | $62.8M | $3.5M | 0.61% | 2.43% | 0.46% | 23,265 |
| Q3 2024 | $543.4M | $478.3M | $454.5M | $60.5M | $2.2M | 0.54% | 2.46% | 0.38% | 22,525 |
| Q2 2024 | $539.7M | $474.9M | $447.5M | $59.5M | $1.2M | 0.46% | 2.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Co-Op Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.62% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 22,384 |
Loan mix (Q1 2026): real estate $318.6M · commercial $79.9M · consumer $68.2M · securities $31.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 78.3% | 11th |
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 | Co-Op 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 | Co-Op 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 | Co-Op 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 | Co-Op 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 | Co-Op 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.
9 branches in 4 counties across 1 state (+1 vs 2024). Biggest market: Jackson, WI, ranked 1st with 48.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, WI | 4 | $222.5M* | 48.88% | 1st |
| Trempealeau, WI | 2 | $111.2M* | 11.11% | 5th |
| La Crosse, WI | 2 | $111.2M* | 2.04% | 16th |
| 1 more county with Pro → | ||||
Wisconsin: 86th with 0.19% · La Crosse-Onalaska metro: 20th, 1.59% · Eau Claire metro: 18th, 0.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 9