| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -2.1% | +3.3% | -5.4 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 10.2% | 5.9% | +4.3 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $178.0M | $159.1M | $131.6M | $16.6M | $425K | 0.95% | 5.38% | 0.36% | 11,728 |
| Q4 2025 | $174.0M | $156.0M | $136.9M | $16.2M | $1.6M | 0.94% | 5.46% | 0.55% | 11,783 |
| Q3 2025 | $174.9M | $157.2M | $133.1M | $16.0M | $1.5M | 1.12% | 5.41% | 0.44% | 11,903 |
| Q2 2025 | $176.3M | $159.3M | $134.6M | $15.5M | $889K | 1.01% | 5.29% | 0.49% | 11,998 |
| Q1 2025 | $179.1M | $162.5M | $135.0M | $15.1M | $493K | 1.10% | 5.15% | 0.29% | 11,959 |
| Q4 2024 | $175.9M | $160.0M | $138.1M | $14.6M | $1.2M | 0.69% | 4.93% | 0.30% | 12,024 |
| Q3 2024 | $176.4M | $160.8M | $140.8M | $14.1M | $734K | 0.56% | 4.80% | 0.43% | 12,012 |
| Q2 2024 | $175.9M | $159.9M | $135.8M | $13.6M | $236K | 0.27% | 4.66% |
| Ratio | Northwoods Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 11,927 |
Loan mix (Q1 2026): real estate $49.4M · commercial $0 · consumer $67.0M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 78.7% | 72th |
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 | Northwoods 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 | Northwoods 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 | Northwoods 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 | Northwoods 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.