| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.6 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.9M | $23.9M | $8.8M | $3.8M | $56K | 0.80% | 2.75% | 2.48% | 1,765 |
| Q4 2025 | $26.5M | $22.6M | $8.9M | $3.7M | $241K | 0.91% | 3.05% | 2.15% | 1,777 |
| Q3 2025 | $25.8M | $21.9M | $9.1M | $3.7M | $218K | 1.13% | 3.13% | 2.69% | 1,778 |
| Q2 2025 | $26.1M | $22.3M | $9.0M | $3.6M | $141K | 1.08% | 3.05% | 1.52% | 1,799 |
| Q1 2025 | $25.9M | $22.2M | $9.0M | $3.5M | $67K | 1.04% | 3.03% | 2.12% | 1,819 |
| Q4 2024 | $25.4M | $21.7M | $9.4M | $3.5M | $243K | 0.96% | 3.27% | 1.15% | 1,818 |
| Q3 2024 | $25.4M | $21.8M | $9.6M | $3.5M | $236K | 1.24% | 3.31% | 1.51% | 1,938 |
| Q2 2024 | $25.3M | $21.7M | $9.6M | $3.4M | $148K | 1.17% | 3.29% | 2.77% |
| Ratio | Wee Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,823 |
Loan mix (Q1 2026): real estate $4.3M · commercial $0 · consumer $4.2M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 81.5% | 35th |
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 | Wee Federal 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 | Wee Federal 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 | Wee Federal 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 | Wee Federal 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 | Wee Federal 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: Wood, WV, ranked 12th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, WV | 1 | $22.3M* | 0.85% | 12th |
West Virginia: 111th with 0.04% · Parkersburg-Vienna metro: 12th, 0.83% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1