Stoppenbach Credit Union
Total assets
$1.8M
▼ -8.2% YoY
Shares & deposits
$1.4M
▼ -5.0% YoY
Loans
$1.4M
▼ -6.5% YoY
Members
507
▼ -1.6% YoY
ROA (annualized)
-19.17%
peers 0.60%
ROE (annualized)
-93.27%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | -19.17% | 0.60% | -19.8 pts |
| ROE | -93.3% | 4.1% | -97.4 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 318 Wisconsin Dr, Jefferson, WI, 53549
- NCUA charter #
- 66565
- RSSD ID
- 667896
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $2.0M | $1.5M | $1.5M | $455K | $-968 | -0.10% | 3.45% | 3.20% | 521 |
Loan mix (Q1 2026): real estate $0 · commercial $77K · consumer $1.2M · securities $99K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Stoppenbach Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.17% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -93.3% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.9% | 81.5% | 88th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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