| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.1% | +0.3 pts |
| Share growth (YoY) | +4.3% | +3.5% | +0.7 pts |
| Loan growth (YoY) | -6.3% | +2.9% | -9.2 pts |
| ROA | 0.59% | 0.74% | -0.1 pts |
| ROE | 6.0% | 6.5% | -0.4 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 | $112.6M | $101.0M | $67.2M | $11.0M | $331K | 0.59% | 4.30% | 0.73% | 9,683 |
| Q1 2026 | $113.2M | $101.4M | $69.0M | $10.9M | $263K | 0.93% | 4.33% | 0.86% | 9,683 |
| Q4 2025 | $109.1M | $97.8M | $70.9M | $10.6M | $494K | 0.45% | 4.45% | 0.91% | 9,519 |
| Q3 2025 | $107.5M | $96.1M | $71.0M | $10.6M | $427K | 0.53% | 4.48% | 0.82% | 9,683 |
| Q2 2025 | $107.8M | $96.9M | $71.7M | $10.4M | $247K | 0.46% | 4.41% | 0.88% | 9,857 |
| Q1 2025 | $108.2M | $97.0M | $71.0M | $10.3M | $143K | 0.53% | 4.32% | 0.82% | 9,900 |
| Q4 2024 | $104.9M | $94.3M | $70.4M | $10.2M | $458K | 0.44% | 4.28% | 1.26% | 9,902 |
| Q3 2024 | $104.0M | $93.6M | $70.7M | $10.0M | $282K | 0.36% | 4.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.74% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 10,002 |
| Q2 2024 | $105.2M | $93.6M | $69.7M | $10.0M | $281K | 0.53% | 4.13% | 0.82% | 10,054 |
Loan mix (Q2 2026): real estate $14.5M · commercial $535K · consumer $50.2M · securities $21.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 77.5% | 86th |
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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Kenosha, WI, ranked 17th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kenosha, WI | 2 | $67.4M* | 1.35% | 17th |
| Walworth, WI | 1 | $33.7M* | 1.07% | 19th |
Wisconsin: 209th with 0.04% · Kenosha metro: 17th, 1.35% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3