University Of Wisconsin Credit Union
Total assets
$6.60B
▲ +11.3% YoY
Shares & deposits
$5.73B
▲ +11.7% YoY
Loans
$4.58B
▲ +9.7% YoY
Members
391,476
▲ +5.8% YoY
ROA (annualized)
1.25%
peers 0.71%
ROE (annualized)
13.75%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +5.1% | +6.1 pts |
| Share growth (YoY) | +11.7% | +4.9% | +6.8 pts |
| Loan growth (YoY) | +9.7% | +5.4% | +4.2 pts |
| ROA | 1.25% | 0.71% | +0.5 pts |
| ROE | 13.8% | 6.3% | +7.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
Profile
- Established
- 1931
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 44963, Madison, WI, 53744
- NCUA charter #
- 66492
- RSSD ID
- 789097
- 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 | $6.60B | $5.73B | $4.58B | $602.1M | $20.7M | 1.25% | 3.50% | 0.56% | 391,476 |
| Q4 2025 | $6.30B | $5.49B | $4.51B | $581.4M | $57.1M | 0.91% | 3.49% | 0.62% | 386,994 |
| Q3 2025 | $6.17B | $5.35B | $4.43B | $567.8M | $41.4M | 0.89% | 3.48% | 0.62% | 384,480 |
| Q2 2025 | $6.08B | $5.25B | $4.32B | $550.1M | $23.7M | 0.78% | 3.45% | 0.54% | 375,319 |
| Q1 2025 | $5.94B | $5.13B | $4.17B | $536.6M | $10.1M | 0.68% | 3.43% | 0.55% | 370,089 |
| Q4 2024 | $5.65B | $4.86B | $4.11B | $526.4M | $31.8M | 0.56% | 3.43% | 0.67% | 366,279 |
| Q3 2024 | $5.61B | $4.80B | $3.99B | $523.6M | $26.8M | 0.64% | 3.37% | 0.65% | 364,520 |
| Q2 2024 | $5.64B | $4.72B | $3.89B | $519.3M | $22.5M | 0.80% | 3.26% | 0.60% | 356,703 |
Loan mix (Q1 2026): real estate $2.62B · commercial $216.6M · consumer $1.64B · securities $952.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.71% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 6.3% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.32% | 62th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 73.0% | 26th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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