| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.6 pts |
| Loan growth (YoY) | +21.8% | -2.4% | +24.1 pts |
| ROA | 1.73% | 0.60% | +1.1 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.9M | $9.3M | $6.7M | $1.7M | $47K | 1.73% | 4.56% | 0.69% | 1,003 |
| Q4 2025 | $10.8M | $9.2M | $6.8M | $1.6M | $158K | 1.46% | 4.79% | 0.49% | 1,009 |
| Q3 2025 | $10.8M | $9.2M | $6.7M | $1.6M | $97K | 1.20% | 4.65% | 0.37% | 1,027 |
| Q2 2025 | $10.9M | $9.4M | $6.0M | $1.5M | $59K | 1.08% | 4.46% | 0.92% | 1,024 |
| Q1 2025 | $10.9M | $9.4M | $5.5M | $1.5M | $22K | 0.80% | 4.12% | 0.39% | 1,022 |
| Q4 2024 | $10.2M | $8.7M | $5.4M | $1.5M | $209K | 2.05% | 4.98% | 0.80% | 1,016 |
| Q3 2024 | $10.1M | $8.6M | $5.0M | $1.4M | $132K | 1.74% | 4.97% | 1.04% | 1,003 |
| Q2 2024 | $10.3M | $8.9M | $5.1M | $1.4M | $94K | 1.83% | 4.82% | 0.53% | 1,006 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 81.5% | 18th |
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 2 states (+0 vs 2024). Biggest market: Racine, WI, ranked 20th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Racine, WI | 1 | $4.7M* | 0.08% | 20th |
| Butler, OH | 1 | $4.7M* | 0.05% | 29th |
Wisconsin: 300th with 0.00% · Ohio: 379th with 0.00% · Racine-Mount Pleasant metro: 20th, 0.08% · Cincinnati metro: 89th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2