| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.8% | -6.2 pts |
| Share growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | -10.8% | +4.3% | -15.2 pts |
| ROA | 0.38% | 0.62% | -0.2 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $725.8M | $623.9M | $515.7M | $54.0M | $697K | 0.38% | 3.04% | 0.42% | 37,252 |
| Q4 2025 | $717.6M | $615.9M | $533.4M | $53.3M | $2.2M | 0.31% | 3.31% | 0.54% | 37,618 |
| Q3 2025 | $699.3M | $593.6M | $546.2M | $52.2M | $1.1M | 0.21% | 3.33% | 0.52% | 38,156 |
| Q2 2025 | $705.1M | $601.0M | $565.0M | $51.2M | $84K | 0.02% | 3.27% | 0.71% | 38,628 |
| Q1 2025 | $736.3M | $625.9M | $578.4M | $52.2M | $-1.7M | -0.94% | 2.99% | 1.12% | 39,160 |
| Q4 2024 | $769.8M | $658.8M | $593.6M | $56.6M | $-7.6M | -0.98% | 2.85% | 1.24% | 39,829 |
| Q3 2024 | $788.5M | $670.7M | $608.3M | $60.9M | $-3.3M | -0.56% | 2.80% | 1.27% | 41,093 |
| Q2 2024 | $820.4M | $682.8M | $649.5M | $60.3M | $-3.9M | -0.94% | 2.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.62% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 41,490 |
Loan mix (Q1 2026): real estate $359.2M · commercial $45.7M · consumer $92.2M · securities $47.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 78.3% | 92nd |
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.
12 branches in 10 counties across 2 states (+0 vs 2024). Biggest market: Douglas, WI, ranked 3rd with 8.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, WI | 2 | $100.2M* | 8.44% | 3rd |
| Ashland, WI | 2 | $100.2M* | 16.22% | 3rd |
| Taylor, WI | 1 | $50.1M* | 6.37% | 6th |
| 7 more counties with Pro → | ||||
Wisconsin: 85th with 0.19% · Minnesota: 234th with 0.03% · Duluth metro: 13th, 1.75% · Eau Claire metro: 20th, 0.77% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 13 · 2024 12 · 2025 12