| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +8.5% | +0.9% | +7.6 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | 0.02% | 0.65% | -0.6 pts |
| ROE | 0.1% | 4.4% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.3M | $11.8M | $7.4M | $2.5M | $1K | 0.02% | 4.66% | 0.45% | 2,153 |
| Q1 2026 | $14.3M | $11.9M | $7.2M | $2.4M | $-41K | -1.15% | 4.58% | 0.16% | 2,160 |
| Q4 2025 | $13.7M | $11.2M | $7.3M | $2.5M | $235K | 1.72% | 4.88% | 0.00% | 2,129 |
| Q3 2025 | $13.3M | $10.9M | $7.3M | $2.4M | $182K | 1.82% | 4.98% | 1.05% | 2,138 |
| Q2 2025 | $13.3M | $10.9M | $7.5M | $2.4M | $137K | 2.07% | 4.97% | 0.76% | 2,132 |
| Q1 2025 | $13.1M | $10.8M | $7.3M | $2.3M | $90K | 2.74% | 4.82% | 0.38% | 2,125 |
| Q4 2024 | $13.1M | $10.8M | $6.9M | $2.2M | $222K | 1.70% | 4.26% | 0.69% | 2,108 |
| Q3 2024 | $12.9M | $10.7M | $6.5M | $2.2M | $165K | 1.71% | 4.21% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,123 |
| Q2 2024 | $12.6M | $10.4M | $6.3M | $2.2M | $197K | 3.13% | 3.96% | 0.91% | 2,087 |
Loan mix (Q2 2026): real estate $49K · commercial $0 · consumer $7.3M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 80.6% | 28th |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Waukesha, WI, ranked 63rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Waukesha, WI | 1 | $5.9M* | 0.02% | 63rd |
| Contra Costa, CA | 1 | $5.9M* | 0.01% | 53rd |
California: 419th with 0.00% · Wisconsin: 306th with 0.00% · Milwaukee-Waukesha metro: 82nd, 0.01% · San Francisco-Oakland-Fremont metro: 115th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2