Wheelhouse Credit Union
Total assets
$456.8M
▲ +6.7% YoY
Shares & deposits
$400.4M
▲ +3.9% YoY
Loans
$365.1M
▲ +6.7% YoY
Members
32,527
▲ +1.5% YoY
ROA (annualized)
0.34%
peers 0.69%
ROE (annualized)
4.23%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | +6.7% | +2.9% | +3.8 pts |
| ROA | 0.34% | 0.69% | -0.4 pts |
| ROE | 4.2% | 5.9% | -1.7 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 719099, San Diego, CA, 92171
- NCUA charter #
- 61003
- RSSD ID
- 393298
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $456.8M | $400.4M | $365.1M | $36.2M | $382K | 0.34% | 3.68% | 0.04% | 32,527 |
| Q4 2025 | $448.1M | $393.6M | $370.5M | $35.8M | $3.2M | 0.72% | 3.39% | 0.03% | 32,353 |
| Q3 2025 | $425.0M | $379.9M | $348.1M | $33.2M | $692K | 0.22% | 3.46% | 0.04% | 31,922 |
| Q2 2025 | $420.1M | $377.0M | $344.2M | $33.1M | $549K | 0.26% | 3.40% | 0.08% | 31,525 |
| Q1 2025 | $427.9M | $385.3M | $342.2M | $32.8M | $228K | 0.21% | 3.22% | 0.06% | 32,040 |
| Q4 2024 | $441.6M | $379.2M | $343.7M | $32.5M | $585K | 0.13% | 3.01% | 0.08% | 32,140 |
| Q3 2024 | $438.5M | $377.5M | $348.4M | $31.9M | $-103K | -0.03% | 3.01% | 0.03% | 32,050 |
| Q2 2024 | $439.5M | $375.2M | $350.0M | $31.8M | $-165K | -0.08% | 3.01% | 0.04% | 32,059 |
Loan mix (Q1 2026): real estate $140.5M · commercial $241K · consumer $28.7M · securities $34.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Wheelhouse Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 78.7% | 82th | |
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% |
Balance sheet
| Ratio | Wheelhouse 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% |
Capital
| Ratio | Wheelhouse 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% |
Credit quality
| Ratio | Wheelhouse 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% |
Franchise
| Ratio | Wheelhouse 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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