| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.1% | +5.4 pts |
| Share growth (YoY) | +8.1% | +3.5% | +4.5 pts |
| Loan growth (YoY) | +2.3% | +2.9% | -0.6 pts |
| ROA | 1.36% | 0.74% | +0.6 pts |
| ROE | 11.0% | 6.5% | +4.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.9M | $108.4M | $60.4M | $15.7M | $859K | 1.36% | 3.03% | 0.49% | 6,638 |
| Q1 2026 | $123.7M | $107.3M | $59.6M | $15.2M | $380K | 1.23% | 3.02% | 0.71% | 6,670 |
| Q4 2025 | $121.1M | $105.2M | $60.2M | $14.8M | $2.1M | 1.70% | 3.27% | 0.02% | 6,704 |
| Q3 2025 | $116.1M | $100.7M | $60.1M | $14.3M | $1.5M | 1.73% | 3.34% | 0.34% | 6,720 |
| Q2 2025 | $114.9M | $100.3M | $59.1M | $13.7M | $979K | 1.70% | 3.31% | 0.23% | 6,760 |
| Q1 2025 | $113.5M | $99.4M | $58.2M | $13.2M | $433K | 1.53% | 3.22% | 0.22% | 6,790 |
| Q4 2024 | $109.5M | $95.5M | $57.0M | $12.8M | $1.8M | 1.69% | 3.38% | 0.22% | 6,819 |
| Q3 2024 | $104.8M | $91.5M | $56.9M | $12.2M | $1.3M | 1.71% | 3.45% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tomah Area Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.74% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 6,824 |
| Q2 2024 | $102.9M | $89.5M | $55.7M | $11.8M | $851K | 1.65% | 3.45% | 0.35% | 6,846 |
Loan mix (Q2 2026): real estate $48.0M · commercial $1.2M · consumer $8.0M · securities $48.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 77.5% | 11th |
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 | Tomah Area 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 | Tomah Area 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 | Tomah Area 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 | Tomah Area 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 | Tomah Area 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 (+0 vs 2025). Biggest market: Monroe, WI, ranked 6th with 7.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, WI | 2 | $108.4M* | 7.40% | 6th |
Wisconsin: 203rd with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2