| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | -14.3% | -2.6% | -11.7 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.5M | $5.3M | $4.2M | $1.2M | $28K | 0.87% | 3.53% | 0.47% | 1,116 |
| Q1 2026 | $6.6M | $5.4M | $4.2M | $1.2M | $12K | 0.75% | 3.33% | 0.61% | 1,127 |
| Q4 2025 | $6.4M | $5.2M | $4.5M | $1.2M | $70K | 1.09% | 3.80% | 0.27% | 1,135 |
| Q3 2025 | $6.7M | $5.6M | $4.8M | $1.1M | $49K | 0.98% | 3.64% | 0.18% | 1,153 |
| Q2 2025 | $6.6M | $5.5M | $4.9M | $1.1M | $31K | 0.92% | 3.68% | 0.69% | 1,157 |
| Q1 2025 | $7.0M | $5.9M | $4.9M | $1.1M | $8K | 0.45% | 3.48% | 0.22% | 1,164 |
| Q4 2024 | $7.0M | $5.9M | $4.9M | $1.1M | $51K | 0.73% | 3.35% | 0.00% | 1,206 |
| Q3 2024 | $7.1M | $6.0M | $4.9M | $1.1M | $42K | 0.80% | 3.27% | 0.00% | 1,215 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.1M | $6.0M | $4.8M | $1.1M | $26K | 0.72% | 3.12% | 0.00% | 1,200 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 80.6% | 39th |
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 (+1 vs 2025). Biggest market: Racine, WI, ranked 26th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Racine, WI | 1 | $2.7M* | 0.04% | 26th |
| DuPage, IL | 1 | $2.7M* | 0.00% | 57th |
Wisconsin: 318th with 0.00% · Illinois: 556th with 0.00% · Racine-Mount Pleasant metro: 26th, 0.04% · Chicago-Naperville-Elgin metro: 240th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2