| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.1% | -3.6 pts |
| Share growth (YoY) | -2.0% | +3.5% | -5.6 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.3 pts |
| ROA | 1.82% | 0.74% | +1.1 pts |
| ROE | 9.5% | 6.5% | +3.0 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.2M | $147.0M | $123.6M | $35.6M | $1.7M | 1.82% | 3.97% | 0.21% | 11,153 |
| Q1 2026 | $183.5M | $146.8M | $120.6M | $34.7M | $773K | 1.69% | 3.92% | 0.14% | 11,192 |
| Q4 2025 | $183.6M | $147.1M | $120.7M | $33.9M | $3.1M | 1.66% | 3.77% | 0.17% | 11,238 |
| Q3 2025 | $180.9M | $145.3M | $120.9M | $33.0M | $2.2M | 1.59% | 3.75% | 0.13% | 11,316 |
| Q2 2025 | $184.2M | $150.0M | $119.9M | $32.2M | $1.3M | 1.44% | 3.58% | 0.15% | 11,395 |
| Q1 2025 | $182.7M | $149.5M | $121.6M | $31.5M | $606K | 1.33% | 3.49% | 0.21% | 11,379 |
| Q4 2024 | $182.0M | $149.4M | $121.6M | $30.9M | $2.3M | 1.25% | 3.11% | 0.36% | 11,384 |
| Q3 2024 | $176.0M | $143.3M | $121.7M | $30.1M | $1.5M | 1.17% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.74% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 6.5% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 11,464 |
| Q2 2024 | $179.6M | $145.5M | $122.2M | $29.5M | $909K | 1.01% | 2.85% | 0.27% | 11,514 |
Loan mix (Q2 2026): real estate $51.8M · commercial $15.5M · consumer $37.3M · securities $47.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 77.5% | 8th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Portage, WI, ranked 16th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portage, WI | 1 | $73.5M* | 2.41% | 16th |
| Wood, WI | 1 | $73.5M* | 2.13% | 14th |
Wisconsin: 182nd with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2