| Metric | Police Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -5.3% | +0.9% | -6.2 pts |
| Loan growth (YoY) | -3.9% | -2.6% | -1.3 pts |
| ROA | 0.69% | 0.65% | +0.0 pts |
| ROE | 3.5% | 4.4% | -0.8 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $905K | $730K | $834K | $175K | $3K | 0.69% | 2.67% | 3.49% | 137 |
| Q1 2026 | $898K | $725K | $783K | $173K | $738 | 0.33% | 2.66% | 0.44% | 137 |
| Q4 2025 | $891K | $719K | $818K | $172K | $4K | 0.41% | 2.03% | 0.56% | 139 |
| Q3 2025 | $951K | $773K | $894K | $178K | $9K | 1.25% | 2.73% | 0.62% | 138 |
| Q2 2025 | $944K | $770K | $868K | $174K | $6K | 1.21% | 2.74% | 0.79% | 137 |
| Q1 2025 | $983K | $811K | $911K | $172K | $4K | 1.49% | 2.70% | 0.83% | 136 |
| Q4 2024 | $984K | $815K | $913K | $169K | $8K | 0.79% | 2.34% | 0.46% | 133 |
| Q3 2024 | $845K | $677K | $837K | $167K | $5K | 0.85% | 2.58% | 0.00% | 132 |
| Ratio | Police Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $862K |
| $697K |
| $844K |
| $165K |
| $3K |
| 0.78% |
| 2.73% |
| 0.00% |
| 131 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $834K · securities $6K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 80.6% | 25th |
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 | Police 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 | Police 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 | Police 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 | Police 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 | Police 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Sheboygan, WI, ranked 21st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sheboygan, WI | 1 | $730K* | 0.02% | 21st |
Wisconsin: 335th with 0.00% · Sheboygan metro: 21st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1