| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.9% | +0.9% | +2.0 pts |
| Loan growth (YoY) | +7.5% | -2.6% | +10.1 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.2M | $27.8M | $23.8M | $3.3M | $73K | 0.47% | 4.03% | 0.67% | 2,722 |
| Q1 2026 | $30.7M | $27.3M | $23.5M | $3.3M | $41K | 0.53% | 4.10% | 0.65% | 2,743 |
| Q4 2025 | $30.1M | $26.8M | $23.5M | $3.2M | $230K | 0.76% | 4.33% | 0.64% | 2,751 |
| Q3 2025 | $30.2M | $26.9M | $23.4M | $3.2M | $177K | 0.78% | 4.30% | 0.72% | 2,744 |
| Q2 2025 | $30.2M | $27.0M | $22.1M | $3.1M | $118K | 0.78% | 4.26% | 0.99% | 2,810 |
| Q1 2025 | $30.5M | $27.3M | $21.8M | $3.1M | $57K | 0.75% | 4.10% | 0.68% | 2,707 |
| Q4 2024 | $29.8M | $26.6M | $21.8M | $3.0M | $179K | 0.60% | 4.06% | 1.02% | 2,712 |
| Q3 2024 | $29.6M | $26.6M | $21.8M | $2.9M | $137K | 0.62% | 4.03% | 0.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,814 |
| Q2 2024 | $29.5M | $26.5M | $22.0M | $2.9M | $93K | 0.63% | 3.95% | 0.50% | 2,744 |
Loan mix (Q2 2026): real estate $4.3M · commercial $0 · consumer $19.2M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 80.6% | 62nd |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Racine, WI, ranked 17th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Racine, WI | 3 | $27.8M* | 0.46% | 17th |
Wisconsin: 271st with 0.01% · Racine-Mount Pleasant metro: 17th, 0.46% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3