| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -2.9% | +0.9% | -3.9 pts |
| Loan growth (YoY) | +1.9% | -2.6% | +4.5 pts |
| ROA | 1.43% | 0.65% | +0.8 pts |
| ROE | 4.6% | 4.4% | +0.3 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $748K | $466K | $149K | $230K | $5K | 1.43% | 3.79% | 1.93% | 252 |
| Q1 2026 | $816K | $536K | $157K | $228K | $3K | 1.37% | 2.45% | 2.95% | 255 |
| Q4 2025 | $747K | $477K | $136K | $225K | $14K | 1.85% | 4.24% | 0.00% | 248 |
| Q3 2025 | $752K | $482K | $135K | $222K | $11K | 1.95% | 4.15% | 0.00% | 247 |
| Q2 2025 | $746K | $480K | $146K | $218K | $7K | 1.90% | 4.09% | 0.82% | 243 |
| Q1 2025 | $765K | $503K | $110K | $214K | $3K | 1.40% | 3.94% | 2.32% | 239 |
| Q4 2024 | $707K | $492K | $92K | $211K | $24K | 3.40% | 5.32% | 0.00% | 241 |
| Q3 2024 | $729K | $511K | $92K | $209K | $22K | 3.97% | 5.41% | 0.00% | 257 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $807K |
| $598K |
| $100K |
| $202K |
| $15K |
| 3.82% |
| 4.94% |
| 0.73% |
| 256 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $149K · securities $110K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 80.6% | 15th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Milwaukee, WI, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Milwaukee, WI | 2 | $466K* | 0.00% | 47th |
Wisconsin: 336th with 0.00% · Milwaukee-Waukesha metro: 90th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2