| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.6 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.0% | 4.4% | -1.4 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.9M | $73.5M | $46.4M | $11.6M | $174K | 0.40% | 4.25% | 0.79% | 7,832 |
| Q1 2026 | $85.1M | $72.7M | $45.2M | $11.5M | $93K | 0.44% | 4.29% | 0.65% | 7,880 |
| Q4 2025 | $86.4M | $74.1M | $46.6M | $11.5M | $455K | 0.53% | 4.25% | 1.29% | 7,926 |
| Q3 2025 | $83.5M | $71.2M | $48.6M | $11.4M | $370K | 0.59% | 4.41% | 1.42% | 7,959 |
| Q2 2025 | $86.4M | $73.6M | $49.0M | $11.2M | $223K | 0.52% | 4.25% | 1.53% | 7,994 |
| Q1 2025 | $86.3M | $73.9M | $49.2M | $11.1M | $86K | 0.40% | 4.26% | 0.84% | 8,051 |
| Q4 2024 | $86.9M | $74.8M | $50.3M | $11.0M | $695K | 0.80% | 4.25% | 0.86% | 8,088 |
| Q3 2024 | $88.5M | $76.2M | $50.8M | $10.8M | $535K | 0.81% | 4.15% | 0.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,128 |
| Q2 2024 | $87.4M | $76.7M | $50.7M | $10.7M | $353K | 0.81% | 4.18% | 0.96% | 8,131 |
Loan mix (Q2 2026): real estate $24.2M · commercial $1.6M · consumer $16.3M · securities $32.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 80.6% | 73rd |
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 | 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% |
| Ratio | Value | 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 | 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Marinette, WI, ranked 8th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marinette, WI | 3 | $55.1M* | 3.74% | 8th |
| Dickinson, MI | 1 | $18.4M* | 2.05% | 10th |
Wisconsin: 242nd with 0.02% · Michigan: 272nd with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4