| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +1.3% | -8.8 pts |
| Share growth (YoY) | -8.3% | +0.9% | -9.2 pts |
| Loan growth (YoY) | -3.4% | -2.6% | -0.7 pts |
| ROA | 0.23% | 0.65% | -0.4 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.3M | $17.9M | $15.2M | $2.3M | $23K | 0.23% | 4.68% | 0.24% | 2,490 |
| Q1 2026 | $20.4M | $18.0M | $15.4M | $2.2M | $-20K | -0.39% | 5.13% | 0.54% | 2,123 |
| Q4 2025 | $20.0M | $17.6M | $15.4M | $2.3M | $88K | 0.44% | 5.26% | 0.70% | 3,125 |
| Q3 2025 | $19.5M | $17.2M | $15.8M | $2.3M | $70K | 0.48% | 5.57% | 0.95% | 3,136 |
| Q2 2025 | $21.9M | $19.5M | $15.7M | $2.3M | $30K | 0.27% | 4.93% | 1.04% | 3,134 |
| Q1 2025 | $22.5M | $20.2M | $15.6M | $2.3M | $-43K | -0.76% | 4.84% | 0.94% | 3,124 |
| Q4 2024 | $21.6M | $19.7M | $16.3M | $2.2M | $205K | 0.95% | 4.19% | 0.78% | 2,458 |
| Q3 2024 | $20.2M | $19.5M | $17.2M | $2.2M | $126K | 0.83% | 4.55% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.65% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,481 |
| Q2 2024 | $20.1M | $18.0M | $17.6M | $2.1M | $63K | 0.63% | 4.46% | 0.34% | 2,490 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $10.9M · securities $153K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 80.6% | 66th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Winnebago, WI, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winnebago, WI | 2 | $17.9M* | 0.28% | 28th |
Wisconsin: 286th with 0.01% · Oshkosh-Neenah metro: 28th, 0.28% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2