| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -4.0% | +0.9% | -5.0 pts |
| Loan growth (YoY) | -12.8% | -2.6% | -10.2 pts |
| ROA | 0.82% | 0.65% | +0.2 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.4M | $2.0M | $1.6M | $389K | $10K | 0.82% | 4.22% | 0.00% | 550 |
| Q1 2026 | $2.4M | $2.0M | $1.7M | $387K | $8K | 1.36% | 4.91% | 0.35% | 558 |
| Q4 2025 | $2.3M | $1.9M | $1.8M | $379K | $14K | 0.62% | 4.14% | 0.23% | 556 |
| Q3 2025 | $2.4M | $2.0M | $1.9M | $382K | $17K | 0.96% | 4.25% | 2.03% | 555 |
| Q2 2025 | $2.4M | $2.0M | $1.9M | $373K | $8K | 0.68% | 3.88% | 2.74% | 550 |
| Q1 2025 | $2.3M | $1.9M | $2.0M | $372K | $7K | 1.30% | 4.62% | 0.56% | 548 |
| Q4 2024 | $2.3M | $1.8M | $2.0M | $365K | $14K | 0.60% | 4.43% | 0.79% | 549 |
| Q3 2024 | $2.3M | $1.8M | $2.2M | $373K | $22K | 1.27% | 4.43% | 0.48% | 553 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.5M |
| $2.1M |
| $2.2M |
| $362K |
| $11K |
| 0.91% |
| 3.90% |
| 1.17% |
| 554 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $17K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 80.6% | 50th |
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: Douglas, WI, ranked 11th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, WI | 1 | $2.0M* | 0.16% | 11th |
Wisconsin: 325th with 0.00% · Duluth metro: 48th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1