| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.3 pts |
| Loan growth (YoY) | -7.5% | -2.6% | -4.9 pts |
| ROA | 0.76% | 0.65% | +0.1 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.6M | $36.9M | $11.9M | $5.1M | $163K | 0.76% | 4.16% | 1.05% | 2,936 |
| Q1 2026 | $41.9M | $36.5M | $12.1M | $5.0M | $91K | 0.87% | 4.20% | 0.66% | 2,950 |
| Q4 2025 | $41.3M | $36.1M | $12.5M | $4.9M | $422K | 1.02% | 4.42% | 0.50% | 3,913 |
| Q3 2025 | $40.3M | $35.1M | $12.8M | $4.8M | $298K | 0.99% | 4.56% | 0.52% | 3,053 |
| Q2 2025 | $40.3M | $35.0M | $12.9M | $4.8M | $226K | 1.12% | 4.53% | 0.72% | 4,019 |
| Q1 2025 | $40.2M | $35.1M | $13.0M | $4.6M | $77K | 0.77% | 4.53% | 0.93% | 3,182 |
| Q4 2024 | $40.6M | $35.5M | $12.9M | $4.5M | $471K | 1.16% | 4.74% | 1.17% | 3,232 |
| Q3 2024 | $40.3M | $35.5M | $13.0M | $4.5M | $418K | 1.38% | 4.79% | 1.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,260 |
| Q2 2024 | $40.4M | $35.6M | $13.6M | $4.4M | $304K | 1.50% | 4.78% | 2.21% | 3,516 |
Loan mix (Q2 2026): real estate $5.9M · commercial $0 · consumer $4.7M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 80.6% | 68th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Fond du Lac, WI, ranked 17th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fond du Lac, WI | 1 | $36.9M* | 1.04% | 17th |
Wisconsin: 259th with 0.01% · Fond du Lac metro: 17th, 1.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1