| Metric | Wea Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.6 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.3 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2,748 |
| Q2 2024 | $36.3M | $31.9M | $21.1M | $4.2M | $116K | 0.64% | 3.41% | 0.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Wea Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,734 |
Loan mix (Q1 2026): real estate $10.3M · commercial $59K · consumer $14.3M · securities $14.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 81.5% | 41th |
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 |
|---|---|---|---|---|
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.