County - City Credit Union
Total assets
$42.5M
▲ +7.3% YoY
Shares & deposits
$37.3M
▲ +7.5% YoY
Loans
$19.2M
▲ +2.0% YoY
Members
2,972
▼ -1.3% YoY
ROA (annualized)
0.86%
peers 0.60%
ROE (annualized)
7.59%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- County City Credit Union, 106 E Joh, Jefferson, WI, 53549
- NCUA charter #
- 66456
- RSSD ID
- 595494
- 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 | $42.5M | $37.3M | $19.2M | $4.8M | $91K | 0.86% | 3.86% | 0.01% | 2,972 |
| Q4 2025 | $41.7M | $36.6M | $19.2M | $4.7M | $453K | 1.09% | 3.86% | 0.01% | 2,985 |
| Q3 2025 | $41.3M | $36.3M | $19.5M | $4.6M | $334K | 1.08% | 3.83% | 0.03% | 3,019 |
| Q2 2025 | $40.6M | $35.4M | $19.3M | $4.5M | $221K | 1.09% | 3.80% | 0.04% | 3,010 |
| Q1 2025 | $39.6M | $34.7M | $18.8M | $4.4M | $92K | 0.93% | 3.74% | 0.00% | 3,010 |
| Q4 2024 | $38.7M | $34.1M | $18.6M | $4.3M | $562K | 1.45% | 3.94% | 0.08% | 3,007 |
| Q3 2024 | $39.0M | $34.5M | $19.1M | $4.2M | $421K | 1.44% | 3.88% | 0.01% | 3,009 |
| Q2 2024 | $39.3M | $34.7M | $19.1M | $4.0M | $303K | 1.54% | 3.78% | 0.15% | 3,026 |
Loan mix (Q1 2026): real estate $10.4M · commercial $0 · consumer $6.2M · securities $18.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 81.5% | 38th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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