| Metric | Sentry Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.1% | +6.8 pts |
| Share growth (YoY) | +11.0% | +3.5% | +7.5 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.8 pts |
| ROA | 0.73% | 0.74% | -0.0 pts |
| ROE | 5.9% | 6.5% | -0.6 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.5M | $149.0M | $109.4M | $21.4M | $629K | 0.73% | 2.82% | 0.44% | 7,231 |
| Q1 2026 | $170.1M | $147.5M | $108.5M | $21.1M | $342K | 0.81% | 2.81% | 0.40% | 7,160 |
| Q4 2025 | $162.0M | $139.9M | $109.0M | $20.8M | $1.4M | 0.86% | 2.80% | 0.46% | 7,099 |
| Q3 2025 | $158.4M | $137.2M | $106.9M | $20.4M | $1.1M | 0.89% | 2.79% | 0.17% | 7,127 |
| Q2 2025 | $155.5M | $134.3M | $105.6M | $20.1M | $671K | 0.86% | 2.78% | 0.12% | 7,108 |
| Q1 2025 | $151.9M | $131.2M | $103.6M | $19.7M | $309K | 0.81% | 2.75% | 0.12% | 7,028 |
| Q4 2024 | $143.3M | $122.5M | $103.9M | $19.4M | $345K | 0.24% | 2.19% | 0.11% | 6,949 |
| Q3 2024 | $143.7M | $122.6M | $103.1M | $20.0M | $1.0M | 0.93% | 2.83% |
| Ratio | Sentry Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.74% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 6.5% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 6,990 |
| Q2 2024 | $146.2M | $124.8M | $101.4M | $19.6M | $605K | 0.83% | 2.72% | 0.13% | 6,929 |
Loan mix (Q2 2026): real estate $70.1M · commercial $0 · consumer $33.6M · securities $41.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 77.5% | 24th |
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 | Sentry 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 | Sentry 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 | Sentry 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 | Sentry 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 | Sentry 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Portage, WI, ranked 7th with 4.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portage, WI | 2 | $149.0M* | 4.89% | 7th |
Wisconsin: 180th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2