| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +1.3% | +11.2 pts |
| Share growth (YoY) | +16.6% | +0.7% | +15.9 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.4 pts |
| ROA | -2.23% | 0.60% | -2.8 pts |
| ROE | -11.6% | 4.1% | -15.7 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.2M | $60.7M | $34.2M | $14.5M | $-419K | -2.23% | 3.54% | 1.33% | 6,213 |
| Q4 2025 | $74.2M | $59.1M | $36.5M | $14.8M | $401K | 0.54% | 3.14% | 1.85% | 6,269 |
| Q3 2025 | $72.0M | $56.8M | $35.5M | $14.7M | $335K | 0.62% | 3.23% | 1.94% | 6,165 |
| Q2 2025 | $69.3M | $54.4M | $36.3M | $14.6M | $224K | 0.65% | 3.25% | 2.02% | 6,054 |
| Q1 2025 | $66.9M | $52.1M | $35.5M | $14.5M | $130K | 0.78% | 3.34% | 1.56% | 5,960 |
| Q4 2024 | $64.0M | $49.3M | $37.0M | $14.4M | $515K | 0.81% | 3.56% | 1.50% | 5,926 |
| Q3 2024 | $63.4M | $48.9M | $35.3M | $14.2M | $377K | 0.79% | 3.53% | 1.66% | 5,823 |
| Q2 2024 | $63.6M | $49.3M | $36.5M | $14.0M | $197K | 0.62% | 3.48% | 1.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.23% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -11.6% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,928 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $33.9M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 81.5% | 26th |
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: Los Angeles, CA, ranked 172nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $27.2M* | 0.00% | 172nd |
| Waukesha, WI | 1 | $27.2M* | 0.12% | 44th |
Wisconsin: 270th with 0.01% · California: 386th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 197th, 0.00% · Milwaukee-Waukesha metro: 64th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2