| Metric | Gundersen Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | +12.8% | -2.4% | +15.2 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 8.3% | 4.1% | +4.2 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.0M | $56.2M | $50.4M | $8.2M | $171K | 1.05% | 3.04% | 0.11% | 3,677 |
| Q4 2025 | $63.6M | $55.1M | $49.0M | $8.0M | $637K | 1.00% | 3.01% | 0.14% | 3,649 |
| Q3 2025 | $61.6M | $53.1M | $49.2M | $7.9M | $473K | 1.02% | 3.03% | 0.13% | 3,632 |
| Q2 2025 | $61.4M | $53.3M | $47.8M | $7.7M | $307K | 1.00% | 2.92% | 0.12% | 3,627 |
| Q1 2025 | $61.6M | $53.6M | $44.7M | $7.5M | $158K | 1.03% | 2.78% | 0.09% | 3,613 |
| Q4 2024 | $60.8M | $53.1M | $43.7M | $7.4M | $233K | 0.38% | 2.34% | 0.07% | 3,589 |
| Q3 2024 | $61.0M | $53.4M | $43.5M | $7.3M | $120K | 0.26% | 2.32% | 0.12% | 3,588 |
| Q2 2024 | $58.4M | $50.8M | $44.0M | $7.2M | $51K | 0.18% | 2.34% | 0.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Gundersen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,597 |
Loan mix (Q1 2026): real estate $27.3M · commercial $1.5M · consumer $17.0M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31th |
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 | Gundersen 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 | Gundersen 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 | Gundersen 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 | Gundersen 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.