| Metric | Wes Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.4M | $13.0M | $3.2M | $1.4M | $34K | 0.93% | 4.01% | 1.44% | 1,510 |
| Q4 2025 | $13.9M | $12.4M | $3.4M | $1.4M | $110K | 0.79% | 3.73% | 1.14% | 1,509 |
| Q3 2025 | $13.7M | $12.3M | $3.4M | $1.4M | $75K | 0.73% | 3.68% | 1.30% | 1,545 |
| Q2 2025 | $13.8M | $12.5M | $3.4M | $1.3M | $53K | 0.77% | 3.54% | 1.10% | 1,555 |
| Q1 2025 | $13.9M | $12.7M | $3.3M | $1.3M | $22K | 0.65% | 3.37% | 0.99% | 1,564 |
| Q4 2024 | $14.1M | $12.8M | $3.5M | $1.3M | $61K | 0.43% | 2.89% | 0.82% | 1,753 |
| Q3 2024 | $13.0M | $11.8M | $3.7M | $1.3M | $38K | 0.39% | 2.99% | 0.21% | 1,609 |
| Q2 2024 | $13.2M | $12.2M | $3.9M | $1.2M | $17K | 0.25% | 2.79% | 0.39% |
| Ratio | Wes Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,626 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $9.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th |
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 | Wes 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 | Wes 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 | Wes 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 | Wes 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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