| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -6.3% | +0.7% | -7.0 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.3 pts |
| ROA | -1.43% | 0.60% | -2.0 pts |
| ROE | -17.4% | 4.1% | -21.5 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.5M | $20.1M | $19.7M | $1.9M | $-81K | -1.43% | 5.70% | 2.09% | 3,749 |
| Q4 2025 | $21.8M | $19.6M | $20.3M | $1.9M | $-195K | -0.89% | 5.85% | 3.34% | 3,498 |
| Q3 2025 | $22.5M | $20.1M | $20.4M | $2.0M | $-145K | -0.86% | 5.61% | 3.12% | 3,472 |
| Q2 2025 | $23.0M | $20.6M | $20.6M | $2.1M | $-52K | -0.45% | 5.44% | 1.58% | 3,463 |
| Q1 2025 | $23.9M | $21.5M | $19.9M | $2.1M | $-42K | -0.71% | 5.14% | 1.45% | 3,435 |
| Q4 2024 | $22.4M | $19.9M | $20.0M | $2.1M | $-239K | -1.07% | 5.59% | 3.32% | 3,445 |
| Q3 2024 | $22.8M | $20.3M | $20.3M | $2.2M | $-214K | -1.25% | 5.45% | 2.40% | 3,460 |
| Q2 2024 | $23.1M | $20.5M | $20.6M | $2.1M | $-259K | -2.24% | 5.31% | 3.66% |
| Ratio | Wheat State Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.43% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -17.4% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,455 |
Loan mix (Q1 2026): real estate $2.0M · commercial $0 · consumer $15.8M · securities $112K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 81.5% | 68th |
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 | Wheat State 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 | Wheat State 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 | Wheat State 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 | Wheat State 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.