| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | +0.2% | -2.6% | +2.8 pts |
| ROA | 3.01% | 0.65% | +2.4 pts |
| ROE | 16.2% | 4.4% | +11.8 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.4M | $37.6M | $32.1M | $8.8M | $713K | 3.01% | 4.81% | 2.00% | 3,815 |
| Q1 2026 | $48.0M | $38.6M | $31.7M | $8.5M | $327K | 2.73% | 4.76% | 1.16% | 3,811 |
| Q4 2025 | $45.5M | $37.1M | $31.9M | $8.1M | $629K | 1.38% | 4.76% | 0.83% | 3,830 |
| Q3 2025 | $44.9M | $36.4M | $32.6M | $8.0M | $461K | 1.37% | 4.94% | 1.24% | 3,826 |
| Q2 2025 | $45.5M | $37.1M | $32.1M | $7.8M | $301K | 1.33% | 4.76% | 1.91% | 3,830 |
| Q1 2025 | $45.1M | $36.9M | $31.4M | $7.7M | $189K | 1.68% | 4.86% | 1.89% | 3,807 |
| Q4 2024 | $43.3M | $35.3M | $31.6M | $7.5M | $1.2M | 2.66% | 4.85% | 0.69% | 3,794 |
| Q3 2024 | $43.4M | $35.4M | $31.5M | $7.2M | $854K | 2.63% | 5.03% | 0.55% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.01% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,884 |
| Q2 2024 | $41.7M | $34.2M | $30.7M | $6.9M | $491K | 2.35% | 5.17% | 0.76% | 3,958 |
Loan mix (Q2 2026): real estate $12.8M · commercial $0 · consumer $16.3M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 80.6% | 11th |
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 (+0 vs 2025). Biggest market: Iron, WI, ranked 2nd with 21.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iron, WI | 2 | $37.6M* | 21.29% | 2nd |
Wisconsin: 257th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2