| Metric | Kohler Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.8% | -1.4 pts |
| Share growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| ROA | 0.94% | 0.62% | +0.3 pts |
| ROE | 8.8% | 5.9% | +2.8 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $762.1M | $666.5M | $621.2M | $81.7M | $1.8M | 0.94% | 4.03% | 0.30% | 53,457 |
| Q4 2025 | $751.6M | $635.8M | $618.8M | $79.9M | $9.6M | 1.28% | 3.95% | 0.53% | 53,785 |
| Q3 2025 | $745.8M | $621.7M | $606.1M | $78.2M | $7.6M | 1.37% | 3.93% | 0.57% | 55,199 |
| Q2 2025 | $748.4M | $620.2M | $599.9M | $74.2M | $3.6M | 0.97% | 3.84% | 0.45% | 54,860 |
| Q1 2025 | $737.4M | $632.0M | $585.1M | $72.2M | $1.6M | 0.86% | 3.75% | 0.24% | 54,813 |
| Q4 2024 | $713.9M | $607.7M | $586.4M | $70.6M | $6.8M | 0.95% | 2.93% | 0.40% | 54,755 |
| Q3 2024 | $615.2M | $525.3M | $501.6M | $53.4M | $2.7M | 0.58% | 3.06% | 0.53% | 44,105 |
| Q2 2024 | $613.3M | $534.3M | $488.8M | $52.0M | $1.2M | 0.41% | 2.96% |
| Ratio | Kohler Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.62% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 43,916 |
Loan mix (Q1 2026): real estate $323.6M · commercial $68.7M · consumer $155.6M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.3% | 56th |
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 | Kohler 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 | Kohler 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 | Kohler 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 | Kohler 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.