| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.6 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.5 pts |
| ROA | 1.18% | 0.65% | +0.5 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.5M | $38.1M | $33.1M | $7.6M | $274K | 1.18% | 3.70% | 0.38% | 2,826 |
| Q1 2026 | $46.1M | $38.0M | $32.4M | $7.4M | $136K | 1.18% | 3.69% | 0.21% | 2,826 |
| Q4 2025 | $45.1M | $37.0M | $32.9M | $7.3M | $701K | 1.55% | 3.92% | 0.31% | 2,849 |
| Q3 2025 | $44.5M | $36.5M | $33.7M | $7.2M | $563K | 1.69% | 3.97% | 0.16% | 2,852 |
| Q2 2025 | $44.6M | $37.2M | $32.8M | $7.0M | $375K | 1.68% | 3.88% | 0.36% | 2,851 |
| Q1 2025 | $44.4M | $37.0M | $32.2M | $6.8M | $204K | 1.84% | 3.70% | 0.28% | 2,833 |
| Q4 2024 | $42.5M | $35.1M | $33.0M | $6.6M | $562K | 1.32% | 3.65% | 0.19% | 2,826 |
| Q3 2024 | $41.1M | $34.1M | $32.8M | $6.5M | $394K | 1.28% | 3.63% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,850 |
| Q2 2024 | $40.5M | $33.5M | $31.7M | $6.3M | $239K | 1.18% | 3.62% | 0.39% | 2,891 |
Loan mix (Q2 2026): real estate $20.2M · commercial $0 · consumer $11.8M · securities $338K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 80.6% | 28th |
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: Marathon, WI, ranked 23rd with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marathon, WI | 2 | $38.1M* | 0.50% | 23rd |
Wisconsin: 256th with 0.01% · Wausau metro: 23rd, 0.50% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2