| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -7.0% | +0.9% | -7.9 pts |
| Loan growth (YoY) | -12.6% | -2.6% | -9.9 pts |
| ROA | -9.14% | 0.65% | -9.8 pts |
| ROE | -43.2% | 4.4% | -47.6 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.4M | $1.4M | $379K | $-82K | -9.14% | 4.20% | 6.11% | 508 |
| Q1 2026 | $1.8M | $1.4M | $1.4M | $374K | $-87K | -19.17% | 4.06% | 4.40% | 507 |
| Q4 2025 | $2.0M | $1.5M | $1.4M | $461K | $-4K | -0.19% | 3.60% | 6.26% | 507 |
| Q3 2025 | $2.0M | $1.5M | $1.4M | $461K | $18K | 1.19% | 4.88% | 7.44% | 510 |
| Q2 2025 | $2.0M | $1.5M | $1.6M | $460K | $9K | 0.96% | 4.77% | 7.47% | 512 |
| Q1 2025 | $2.0M | $1.5M | $1.5M | $458K | $-7K | -1.34% | 2.54% | 10.08% | 515 |
| Q4 2024 | $2.0M | $1.5M | $1.4M | $465K | $2K | 0.12% | 3.32% | 10.47% | 515 |
| Q3 2024 | $2.0M | $1.5M | $1.5M | $467K | $4K | 0.27% | 3.39% | 9.74% | 521 |
| Ratio | Stoppenbach Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -9.14% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -43.2% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.0M | $1.5M | $1.5M | $455K | $-968 | -0.10% | 3.45% | 3.20% | 521 |
Loan mix (Q2 2026): real estate $0 · commercial $71K · consumer $1.2M · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.5% | 80.6% | 94th |
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 | Stoppenbach 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 | Stoppenbach 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 | Stoppenbach 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 | Stoppenbach 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 | Stoppenbach 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, WI, ranked 17th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, WI | 1 | $1.4M* | 0.04% | 17th |
Wisconsin: 331st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1