| Metric | Focus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.5 pts |
| Loan growth (YoY) | -0.5% | -2.6% | +2.2 pts |
| ROA | 1.34% | 0.65% | +0.7 pts |
| ROE | 9.6% | 4.4% | +5.2 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 | $61.7M | $52.5M | $45.9M | $8.6M | $414K | 1.34% | 4.68% | 0.49% | 6,437 |
| Q1 2026 | $61.3M | $52.3M | $45.7M | $8.4M | $202K | 1.32% | 4.77% | 0.30% | 6,438 |
| Q4 2025 | $60.5M | $51.8M | $46.7M | $8.2M | $1.1M | 1.79% | 5.06% | 0.47% | 6,491 |
| Q3 2025 | $61.1M | $52.5M | $46.7M | $7.9M | $801K | 1.75% | 4.96% | 0.59% | 6,548 |
| Q2 2025 | $60.9M | $52.8M | $46.1M | $7.7M | $552K | 1.81% | 4.90% | 0.73% | 6,583 |
| Q1 2025 | $60.1M | $52.5M | $46.9M | $7.4M | $252K | 1.68% | 4.85% | 0.82% | 6,621 |
| Q4 2024 | $59.4M | $51.9M | $46.7M | $7.1M | $1.1M | 1.89% | 4.93% | 0.63% | 6,650 |
| Q3 2024 | $58.4M | $51.2M | $47.4M | $6.8M | $819K | 1.87% | 4.88% | 0.23% |
| Ratio | Focus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,743 |
| Q2 2024 | $58.0M | $50.9M | $46.5M | $6.5M | $507K | 1.75% | 4.78% | 0.41% | 6,738 |
Loan mix (Q2 2026): real estate $6.9M · commercial $0 · consumer $39.0M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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 | Focus 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 | Focus 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 | Focus 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 | Focus 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 | Focus 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Milwaukee, WI, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Milwaukee, WI | 1 | $26.2M* | 0.04% | 40th |
| Waukesha, WI | 1 | $26.2M* | 0.11% | 50th |
Wisconsin: 243rd with 0.02% · Milwaukee-Waukesha metro: 53rd, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2