No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $1.05B | $707.6M | $129.7M | $1.4M | 0.48% | 3.13% | 0.49% | 50,257 |
| Q4 2025 | $1.17B | $1.03B | $696.4M | $128.3M | $4.4M | 0.37% | 2.88% | 0.59% | 49,856 |
| Q3 2025 | $1.15B | $1.02B | $677.0M | $127.7M | $2.8M | 0.32% | 2.84% | 0.72% | 49,766 |
| Q2 2025 | $1.14B | $1.01B | $654.0M | $126.4M | $1.5M | 0.26% | 2.79% | 0.77% | 49,411 |
| Q1 2025 | $1.13B | $1.01B | $635.1M | $125.2M | $237K | 0.08% | 2.73% | 0.50% | 49,190 |
| Q4 2024 | $1.11B | $989.8M | $628.9M | $124.9M | $3.0M | 0.27% | 2.45% | 0.61% | 49,014 |
| Q3 2024 | $1.10B | $979.8M | $627.5M | $124.6M | $1.7M | 0.20% | 2.38% | 0.51% | 49,000 |
| Q2 2024 | $1.10B | $979.3M | $615.8M | $123.7M | $776K | 0.14% | 2.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Wildfire Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.71% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 48,755 |
Loan mix (Q1 2026): real estate $328.4M · commercial $103.2M · consumer $244.0M · securities $388.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 73.0% | 72th |
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 | Wildfire 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 | Wildfire 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 | Wildfire 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 | Wildfire 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.