| Metric | Wcla Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.9% | +4.1 pts |
| Share growth (YoY) | +9.2% | +3.3% | +5.9 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.2 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $144.9M | $116.8M | $122.4M | $24.1M | $563K | 1.55% | 3.45% | 2.50% | 1,385 |
| Q4 2025 | $143.3M | $115.9M | $120.7M | $23.6M | $2.3M | 1.57% | 3.34% | 1.89% | 1,384 |
| Q3 2025 | $141.7M | $112.9M | $124.7M | $23.0M | $1.7M | 1.59% | 3.32% | 2.32% | 1,386 |
| Q2 2025 | $140.6M | $112.6M | $124.0M | $22.3M | $1.0M | 1.42% | 3.21% | 0.77% | 1,389 |
| Q1 2025 | $134.2M | $107.0M | $116.4M | $21.7M | $418K | 1.25% | 3.22% | 1.07% | 1,372 |
| Q4 2024 | $125.9M | $101.1M | $110.1M | $21.3M | $2.1M | 1.63% | 3.29% | 0.46% | 1,377 |
| Q3 2024 | $129.6M | $105.4M | $112.7M | $20.8M | $1.5M | 1.59% | 3.14% | 1.20% | 1,353 |
| Q2 2024 | $129.1M | $104.5M | $113.3M | $20.2M | $979K | 1.52% | 3.09% |
| Ratio | Wcla Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 1,360 |
Loan mix (Q1 2026): real estate $0 · commercial $113.0M · consumer $1.6M · securities $12.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 78.7% | 3rd |
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 | Wcla 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 | Wcla 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 | Wcla 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 | Wcla 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 | Wcla 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Thurston, WA, ranked 22nd with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Thurston, WA | 1 | $112.6M* | 1.18% | 22nd |
Washington: 94th with 0.04% · Olympia-Lacey-Tumwater metro: 22nd, 1.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1