Prospera Credit Union
Total assets
$378.8M
▲ +2.9% YoY
Shares & deposits
$323.2M
▲ +2.0% YoY
Loans
$306.9M
▲ +2.5% YoY
Members
21,481
▲ +0.7% YoY
ROA (annualized)
0.22%
peers 0.69%
ROE (annualized)
2.44%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Prospera Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | +2.5% | +2.9% | -0.4 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4830 N Ballard Rd, Appleton, WI, 54913
- NCUA charter #
- 66652
- RSSD ID
- 1002597
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $378.8M | $323.2M | $306.9M | $34.1M | $208K | 0.22% | 3.42% | 0.25% | 21,481 |
| Q4 2025 | $374.5M | $319.8M | $307.4M | $33.9M | $1.7M | 0.46% | 3.46% | 0.31% | 21,439 |
| Q3 2025 | $367.5M | $315.0M | $307.7M | $33.5M | $1.3M | 0.47% | 3.49% | 0.24% | 21,499 |
| Q2 2025 | $367.3M | $314.7M | $307.7M | $33.2M | $872K | 0.47% | 3.43% | 0.35% | 21,561 |
| Q1 2025 | $368.1M | $316.8M | $299.3M | $32.9M | $529K | 0.57% | 3.32% | 0.20% | 21,338 |
| Q4 2024 | $364.8M | $313.9M | $305.2M | $32.3M | $552K | 0.15% | 3.27% | 0.28% | 21,521 |
| Q3 2024 | $363.7M | $312.8M | $312.4M | $32.0M | $188K | 0.07% | 3.23% | 0.36% | 21,526 |
| Q2 2024 | $368.7M | $314.8M | $312.8M | $31.9M | $-22K | -0.01% | 3.10% | 0.35% | 21,571 |
Loan mix (Q1 2026): real estate $165.9M · commercial $46.6M · consumer $78.6M · securities $30.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Prospera Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 78.7% | 88th | |
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% |
Balance sheet
| Ratio | Prospera 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% |
Capital
| Ratio | Prospera 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% |
Credit quality
| Ratio | Prospera 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% |
Franchise
| Ratio | Prospera 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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