| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.3 pts |
| Loan growth (YoY) | +3.5% | -2.6% | +6.2 pts |
| ROA | 0.27% | 0.65% | -0.4 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.9M | $32.9M | $29.8M | $2.9M | $48K | 0.27% | 3.66% | 0.80% | 2,655 |
| Q1 2026 | $35.6M | $32.7M | $28.8M | $2.9M | $23K | 0.26% | 3.61% | 0.77% | 2,643 |
| Q4 2025 | $34.4M | $31.4M | $29.3M | $2.9M | $37K | 0.11% | 3.81% | 0.85% | 2,650 |
| Q3 2025 | $34.3M | $31.4M | $28.7M | $2.8M | $4K | 0.02% | 3.79% | 0.76% | 2,646 |
| Q2 2025 | $35.1M | $32.2M | $28.7M | $2.8M | $-30K | -0.17% | 3.67% | 0.42% | 2,643 |
| Q1 2025 | $35.6M | $32.7M | $29.0M | $2.8M | $-62K | -0.70% | 3.57% | 0.29% | 2,659 |
| Q4 2024 | $34.3M | $31.5M | $28.8M | $2.8M | $160K | 0.47% | 3.63% | 0.19% | 2,670 |
| Q3 2024 | $33.4M | $30.2M | $28.5M | $2.8M | $150K | 0.60% | 3.66% | 0.20% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Meadowland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,670 |
| Q2 2024 | $34.8M | $31.9M | $27.8M | $2.8M | $171K | 0.98% | 3.48% | 0.15% | 2,643 |
Loan mix (Q2 2026): real estate $19.4M · commercial $0 · consumer $9.6M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 80.6% | 68th |
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 | Meadowland 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 | Meadowland Credit Union | 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 | Meadowland 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 | Meadowland 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 | Meadowland 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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Sheboygan, WI, ranked 19th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sheboygan, WI | 3 | $32.9M* | 0.89% | 19th |
Wisconsin: 265th with 0.01% · Sheboygan metro: 19th, 0.89% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3