| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +1.3% | +9.1 pts |
| Share growth (YoY) | +16.1% | +0.9% | +15.2 pts |
| Loan growth (YoY) | +7.6% | -2.6% | +10.2 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 1.1% | 4.4% | -3.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.3M | $5.7M | $3.1M | $3.5M | $20K | 0.43% | 2.92% | 1.24% | 1,082 |
| Q1 2026 | $9.1M | $5.5M | $2.9M | $3.5M | $1K | 0.06% | 2.92% | 1.35% | 1,112 |
| Q4 2025 | $8.7M | $5.1M | $3.1M | $3.5M | $56K | 0.65% | 3.35% | 1.24% | 1,103 |
| Q3 2025 | $8.5M | $5.0M | $2.9M | $3.5M | $66K | 1.04% | 3.34% | 0.57% | 1,098 |
| Q2 2025 | $8.4M | $4.9M | $2.9M | $3.5M | $51K | 1.21% | 3.49% | 0.64% | 1,093 |
| Q1 2025 | $8.4M | $4.9M | $3.0M | $3.5M | $24K | 1.16% | 3.46% | 0.35% | 1,123 |
| Q4 2024 | $8.4M | $5.0M | $3.3M | $3.4M | $4K | 0.04% | 3.17% | 0.29% | 1,118 |
| Q3 2024 | $8.5M | $5.1M | $3.6M | $3.4M | $-26K | -0.41% | 3.05% | 0.60% | 1,109 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.4M | $5.0M | $3.8M | $3.4M | $-51K | -1.20% | 2.95% | 0.31% | 1,137 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 80.6% | 32nd |
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: Kenosha, WI, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kenosha, WI | 1 | $5.7M* | 0.11% | 19th |
Wisconsin: 307th with 0.00% · Kenosha metro: 19th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1