White Eagle Credit Union
Total assets
$196.5M
▲ +10.3% YoY
Shares & deposits
$167.3M
▲ +10.3% YoY
Loans
$104.0M
▲ +4.3% YoY
Members
16,286
▲ +2.2% YoY
ROA (annualized)
1.94%
peers 0.69%
ROE (annualized)
13.98%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +3.9% | +6.4 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 1.94% | 0.69% | +1.3 pts |
| ROE | 14.0% | 5.9% | +8.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 86, Augusta, KS, 67010
- NCUA charter #
- 63189
- RSSD ID
- 188494
- 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 | $196.5M | $167.3M | $104.0M | $27.3M | $955K | 1.94% | 3.68% | 1.17% | 16,286 |
| Q4 2025 | $186.4M | $158.8M | $103.6M | $26.4M | $3.0M | 1.60% | 3.79% | 1.06% | 16,204 |
| Q3 2025 | $186.8M | $159.0M | $101.9M | $26.0M | $2.6M | 1.84% | 3.75% | 1.08% | 16,126 |
| Q2 2025 | $181.6M | $154.3M | $101.4M | $25.4M | $2.0M | 2.17% | 3.79% | 0.60% | 15,944 |
| Q1 2025 | $178.2M | $151.8M | $99.7M | $24.7M | $1.5M | 3.47% | 4.37% | 0.53% | 15,942 |
| Q4 2024 | $163.1M | $138.6M | $99.1M | $23.4M | $2.3M | 1.40% | 3.87% | 0.67% | 15,902 |
| Q3 2024 | $152.3M | $127.5M | $99.3M | $23.0M | $1.9M | 1.62% | 4.12% | 0.62% | 15,793 |
| Q2 2024 | $149.4M | $125.5M | $98.6M | $22.2M | $1.1M | 1.45% | 4.14% | 0.13% | 15,683 |
Loan mix (Q1 2026): real estate $27.3M · commercial $0 · consumer $66.2M · securities $30.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | White Eagle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 78.7% | 10th | |
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 | White Eagle 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 | White Eagle 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 | White Eagle 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 | White Eagle 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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