| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -1.7% | -2.6% | +0.9 pts |
| ROA | 0.42% | 0.65% | -0.2 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.0M | $35.4M | $19.0M | $4.1M | $82K | 0.42% | 3.88% | 1.58% | 2,582 |
| Q1 2026 | $39.1M | $35.8M | $18.3M | $4.1M | $19K | 0.20% | 3.74% | 1.55% | 2,588 |
| Q4 2025 | $37.7M | $33.6M | $18.3M | $4.1M | $215K | 0.57% | 3.73% | 1.53% | 2,594 |
| Q3 2025 | $38.0M | $34.3M | $18.8M | $4.3M | $132K | 0.47% | 3.68% | 2.18% | 2,596 |
| Q2 2025 | $37.9M | $34.1M | $19.3M | $4.3M | $81K | 0.43% | 3.63% | 1.84% | 2,613 |
| Q1 2025 | $38.1M | $34.8M | $19.8M | $4.3M | $65K | 0.68% | 3.56% | 0.64% | 2,624 |
| Q4 2024 | $37.1M | $33.0M | $20.7M | $3.9M | $635K | 1.71% | 3.43% | 0.91% | 2,642 |
| Q3 2024 | $37.5M | $34.2M | $21.1M | $3.5M | $316K | 1.12% | 3.35% | 0.63% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,642 |
| Q2 2024 | $37.8M | $35.0M | $21.0M | $3.5M | $281K | 1.49% | 3.27% | 0.78% | 2,665 |
Loan mix (Q2 2026): real estate $5.3M · commercial $0 · consumer $13.4M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 80.6% | 76th |
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 2025). Biggest market: Racine, WI, ranked 19th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Racine, WI | 1 | $17.7M* | 0.29% | 19th |
| Porter, IN | 1 | $17.7M* | 0.32% | 18th |
Wisconsin: 287th with 0.01% · Indiana: 235th with 0.01% · Chicago-Naperville-Elgin metro: 212th, 0.00% · Racine-Mount Pleasant metro: 19th, 0.29% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2