| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +6.8% | +0.9% | +5.9 pts |
| Loan growth (YoY) | +8.7% | -2.6% | +11.3 pts |
| ROA | 0.59% | 0.65% | -0.1 pts |
| ROE | 7.6% | 4.4% | +3.2 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.0M | $79.0M | $53.5M | $7.1M | $267K | 0.59% | 2.90% | 0.09% | 3,654 |
| Q1 2026 | $93.0M | $76.3M | $51.4M | $6.9M | $94K | 0.40% | 2.72% | 0.08% | 3,651 |
| Q4 2025 | $91.3M | $74.6M | $51.9M | $6.8M | $424K | 0.46% | 2.67% | 0.15% | 3,694 |
| Q3 2025 | $90.1M | $73.8M | $52.4M | $6.6M | $252K | 0.37% | 2.51% | 0.11% | 3,702 |
| Q2 2025 | $90.0M | $74.0M | $49.3M | $6.5M | $130K | 0.29% | 2.40% | 0.13% | 3,693 |
| Q1 2025 | $90.3M | $74.6M | $46.3M | $6.4M | $45K | 0.20% | 2.30% | 0.03% | 3,698 |
| Q4 2024 | $87.4M | $72.1M | $46.5M | $6.4M | $124K | 0.14% | 2.15% | 0.03% | 3,706 |
| Q3 2024 | $91.6M | $71.9M | $46.3M | $6.5M | $226K | 0.33% | 2.25% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,724 |
| Q2 2024 | $92.4M | $73.3M | $46.1M | $6.4M | $151K | 0.33% | 2.20% | 0.06% | 3,745 |
Loan mix (Q2 2026): real estate $40.7M · commercial $373K · consumer $9.7M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 80.6% | 54th |
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.
4 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Wood, WI, ranked 15th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, WI | 3 | $59.3M* | 1.72% | 15th |
| Marathon, WI | 1 | $19.8M* | 0.26% | 26th |
Wisconsin: 224th with 0.03% · Wausau metro: 26th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4