| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.6 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 10.0% | 4.1% | +5.9 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 | $84.5M | $72.6M | $43.7M | $11.3M | $282K | 1.33% | 4.18% | 0.24% | 5,834 |
| Q4 2025 | $81.1M | $69.6M | $42.8M | $11.0M | $1.2M | 1.44% | 4.36% | 0.30% | 5,846 |
| Q3 2025 | $81.6M | $70.3M | $43.1M | $10.7M | $868K | 1.42% | 4.28% | 0.33% | 5,867 |
| Q2 2025 | $81.2M | $70.1M | $42.6M | $10.4M | $533K | 1.31% | 4.25% | 0.18% | 5,902 |
| Q1 2025 | $81.7M | $71.0M | $43.2M | $10.1M | $251K | 1.23% | 4.19% | 0.17% | 6,050 |
| Q4 2024 | $80.5M | $70.3M | $43.6M | $9.8M | $890K | 1.11% | 3.97% | 0.87% | 6,097 |
| Q3 2024 | $83.0M | $73.0M | $44.9M | $9.6M | $705K | 1.13% | 3.79% | 0.62% | 6,014 |
| Q2 2024 | $81.8M | $71.6M | $45.4M | $9.4M | $518K | 1.27% | 3.72% | 0.63% |
| Ratio | Fond Du Lac Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,082 |
Loan mix (Q1 2026): real estate $22.1M · commercial $792K · consumer $16.9M · securities $31.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 81.5% | 34th |
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 | Fond Du Lac 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 | Fond Du Lac 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 | Fond Du Lac 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 | Fond Du Lac 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.