| Metric | Wcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -0.9% | -2.4% | +1.4 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.2M | $32.0M | $17.1M | $3.2M | $32K | 0.37% | 3.78% | 0.15% | 3,359 |
| Q4 2025 | $34.1M | $30.9M | $17.5M | $3.1M | $171K | 0.50% | 3.93% | 0.25% | 3,375 |
| Q3 2025 | $33.7M | $30.5M | $17.3M | $3.1M | $137K | 0.54% | 3.94% | 0.28% | 3,386 |
| Q2 2025 | $34.1M | $30.9M | $17.6M | $3.1M | $72K | 0.42% | 3.85% | 0.41% | 3,379 |
| Q1 2025 | $34.6M | $31.5M | $17.3M | $3.0M | $50K | 0.58% | 3.78% | 2.07% | 3,383 |
| Q4 2024 | $34.4M | $31.4M | $17.4M | $3.0M | $141K | 0.41% | 3.88% | 1.09% | 3,373 |
| Q3 2024 | $34.9M | $31.8M | $18.2M | $3.0M | $173K | 0.66% | 3.81% | 1.05% | 3,381 |
| Q2 2024 | $35.4M | $32.1M | $18.3M | $3.0M | $117K | 0.66% | 3.79% | 1.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Wcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,384 |
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $12.5M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 81.5% | 74th |
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 | Wcu 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 | Wcu 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 | Wcu 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 | Wcu 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% |
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