| Metric | Oakdale Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.1% | +4.2 pts |
| Share growth (YoY) | +6.5% | +3.5% | +3.0 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.1 pts |
| ROA | 2.29% | 0.74% | +1.6 pts |
| ROE | 17.2% | 6.5% | +10.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.4M | $112.8M | $69.6M | $17.7M | $1.5M | 2.29% | 3.70% | 0.00% | 11,414 |
| Q1 2026 | $133.5M | $115.1M | $68.6M | $17.1M | $978K | 2.93% | 3.62% | 0.00% | 11,383 |
| Q4 2025 | $127.8M | $109.7M | $67.5M | $16.2M | $2.5M | 2.00% | 3.88% | 0.09% | 11,345 |
| Q3 2025 | $124.7M | $107.5M | $68.4M | $15.5M | $1.9M | 2.07% | 3.97% | 0.10% | 11,402 |
| Q2 2025 | $122.2M | $105.9M | $69.7M | $14.9M | $1.3M | 2.11% | 4.00% | 0.11% | 11,370 |
| Q1 2025 | $120.5M | $104.9M | $70.3M | $14.2M | $628K | 2.08% | 3.97% | 0.16% | 11,350 |
| Q4 2024 | $117.8M | $103.0M | $70.0M | $13.6M | $2.6M | 2.24% | 4.05% | 0.12% | 11,289 |
| Q3 2024 | $114.2M | $100.2M | $72.5M | $12.9M | $2.0M | 2.28% | 4.15% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Oakdale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 0.74% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 6.5% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 11,326 |
| Q2 2024 | $115.5M | $101.4M | $72.7M | $12.2M | $1.3M | 2.19% | 4.02% | 0.02% | 11,278 |
Loan mix (Q2 2026): real estate $23.3M · commercial $0 · consumer $37.1M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 77.5% | 5th |
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 | Oakdale 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 | Oakdale Credit Union | 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 | Oakdale 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 | Oakdale 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 | Oakdale 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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Juneau, WI, ranked 3rd with 6.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Juneau, WI | 1 | $37.6M* | 5.99% | 3rd |
| Sauk, WI | 1 | $37.6M* | 1.28% | 15th |
| Monroe, WI | 1 | $37.6M* | 2.57% | 12th |
Wisconsin: 200th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3