| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | +2.4% | -2.6% | +5.0 pts |
| ROA | 1.25% | 0.65% | +0.6 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.4M | $3.9M | $1.1M | $34K | 1.25% | 3.25% | 0.00% | 841 |
| Q1 2026 | $5.5M | $4.5M | $3.8M | $1.1M | $17K | 1.21% | 3.36% | 0.00% | 846 |
| Q4 2025 | $5.3M | $4.3M | $3.9M | $1.1M | $60K | 1.13% | 3.09% | 0.00% | 844 |
| Q3 2025 | $5.5M | $4.4M | $4.0M | $1.0M | $39K | 0.95% | 3.02% | 0.00% | 850 |
| Q2 2025 | $5.3M | $4.3M | $3.8M | $1.0M | $25K | 0.95% | 2.97% | 0.00% | 848 |
| Q1 2025 | $5.2M | $4.2M | $3.9M | $1.0M | $13K | 0.98% | 3.16% | 0.00% | 847 |
| Q4 2024 | $5.1M | $4.1M | $4.0M | $993K | $57K | 1.11% | 2.99% | 0.00% | 845 |
| Q3 2024 | $5.2M | $4.2M | $4.2M | $973K | $37K | 0.96% | 3.03% | 0.67% | 845 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.1M | $4.1M | $4.3M | $965K | $29K | 1.15% | 3.03% | 0.00% | 846 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $901K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Dane, WI, ranked 46th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dane, WI | 1 | $4.4M* | 0.01% | 46th |
Wisconsin: 311th with 0.00% · Madison metro: 57th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1