| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Share growth (YoY) | +7.2% | +4.9% | +2.4 pts |
| Loan growth (YoY) | +6.5% | +5.4% | +1.1 pts |
| ROA | 1.36% | 0.71% | +0.7 pts |
| ROE | 10.5% | 6.3% | +4.2 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.20B | $1.90B | $1.52B | $286.1M | $7.5M | 1.36% | 3.72% | 0.59% | 127,327 |
| Q4 2025 | $2.16B | $1.87B | $1.51B | $278.6M | $23.0M | 1.06% | 3.54% | 0.72% | 126,216 |
| Q3 2025 | $2.14B | $1.85B | $1.47B | $271.2M | $15.5M | 0.97% | 3.50% | 0.82% | 126,934 |
| Q2 2025 | $2.08B | $1.81B | $1.45B | $264.9M | $9.3M | 0.90% | 3.47% | 0.82% | 126,015 |
| Q1 2025 | $2.03B | $1.78B | $1.42B | $259.8M | $4.0M | 0.79% | 3.42% | 0.80% | 124,993 |
| Q4 2024 | $1.96B | $1.72B | $1.41B | $255.7M | $13.0M | 0.66% | 3.27% | 0.91% | 124,158 |
| Q3 2024 | $1.95B | $1.69B | $1.38B | $250.6M | $7.8M | 0.54% | 3.19% | 0.82% | 123,713 |
| Q2 2024 | $1.92B | $1.69B | $1.37B | $248.1M | $5.3M | 0.55% | 3.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Westconsin Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.71% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.3% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 122,466 |
Loan mix (Q1 2026): real estate $543.2M · commercial $392.3M · consumer $432.1M · securities $426.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 73.0% | 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 | Westconsin 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 | Westconsin 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 | Westconsin 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 | Westconsin 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.