| Metric | Wea Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +1.3% | +6.8 pts |
| Share growth (YoY) | +7.1% | +0.9% | +6.1 pts |
| Loan growth (YoY) | +9.4% | -2.6% | +12.0 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.2M | $37.6M | $25.4M | $5.1M | $196K | 0.90% | 3.82% | 0.15% | 2,858 |
| Q1 2026 | $42.1M | $36.9M | $24.9M | $5.0M | $74K | 0.70% | 3.88% | 0.30% | 2,831 |
| Q4 2025 | $41.4M | $36.2M | $24.7M | $4.9M | $438K | 1.06% | 3.88% | 0.83% | 2,819 |
| Q3 2025 | $40.4M | $35.4M | $23.8M | $4.8M | $327K | 1.08% | 3.92% | 0.31% | 2,813 |
| Q2 2025 | $40.0M | $35.1M | $23.2M | $4.7M | $220K | 1.10% | 3.82% | 0.43% | 2,798 |
| Q1 2025 | $39.1M | $34.4M | $23.7M | $4.6M | $102K | 1.04% | 3.71% | 0.57% | 2,776 |
| Q4 2024 | $38.3M | $33.6M | $22.3M | $4.5M | $347K | 0.91% | 3.43% | 0.79% | 2,756 |
| Q3 2024 | $37.0M | $32.3M | $21.5M | $4.3M | $223K | 0.81% | 3.45% | 0.37% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wea Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,748 |
| Q2 2024 | $36.3M | $31.9M | $21.1M | $4.2M | $116K | 0.64% | 3.41% | 0.42% | 2,734 |
Loan mix (Q2 2026): real estate $10.1M · commercial $33K · consumer $15.1M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 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 | Wea 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 | Wea 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 | Wea 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 | Wea 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 | Wea 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 2025). Biggest market: Dane, WI, ranked 41st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dane, WI | 1 | $37.6M* | 0.11% | 41st |
Wisconsin: 258th with 0.01% · Madison metro: 52nd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1