| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +1.3% | +12.4 pts |
| Share growth (YoY) | +16.9% | +0.9% | +16.0 pts |
| Loan growth (YoY) | +32.1% | -2.6% | +34.8 pts |
| ROA | 0.41% | 0.65% | -0.2 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.9M | $11.1M | $11.4M | $2.7M | $28K | 0.41% | 3.09% | 0.07% | 988 |
| Q1 2026 | $13.2M | $10.5M | $10.8M | $2.7M | $1K | 0.03% | 3.14% | 0.05% | 988 |
| Q4 2025 | $12.9M | $10.2M | $10.6M | $2.7M | $-61K | -0.47% | 3.08% | 0.27% | 998 |
| Q3 2025 | $12.5M | $9.8M | $9.9M | $2.7M | $1K | 0.01% | 3.12% | 0.56% | 1,007 |
| Q2 2025 | $12.2M | $9.5M | $8.6M | $2.7M | $-4K | -0.07% | 3.20% | 0.41% | 1,038 |
| Q1 2025 | $12.1M | $9.3M | $8.5M | $2.7M | $2K | 0.07% | 3.19% | 0.04% | 1,086 |
| Q4 2024 | $11.8M | $9.1M | $8.5M | $2.7M | $32K | 0.27% | 3.27% | 0.01% | 1,094 |
| Q3 2024 | $11.9M | $9.1M | $8.4M | $2.7M | $42K | 0.47% | 3.13% | 1.05% | 1,101 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.4M | $8.7M | $8.0M | $2.7M | $25K | 0.43% | 3.09% | 0.75% | 1,109 |
Loan mix (Q2 2026): real estate $7.3M · commercial $0 · consumer $3.3M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 80.6% | 65th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Marathon, WI, ranked 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marathon, WI | 1 | $11.1M* | 0.14% | 30th |
Wisconsin: 298th with 0.00% · Wausau metro: 30th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1