| Metric | Winsouth Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.9% | — |
| Share growth (YoY) | — | +3.3% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $468.9M | $431.4M | $299.5M | $48.9M | $770K | 0.66% | 3.26% | 0.68% | 35,752 |
| Q4 2025 | $452.1M | $415.2M | $296.3M | $48.1M | $3.0M | 0.66% | 3.22% | 0.81% | 35,968 |
| Q3 2025 | $451.3M | $414.7M | $291.7M | $47.5M | $2.3M | 0.68% | 3.13% | 0.86% | 36,133 |
| Q2 2025 | $450.4M | $418.2M | $284.2M | $46.5M | $1.3M | 0.59% | 3.05% | 0.75% | 36,109 |
Loan mix (Q1 2026): real estate $100.2M · commercial $26.7M · consumer $153.6M · securities $96.3M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Winsouth Credit Union | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 75.4% |
| 78.7% |
39th |
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 | Winsouth Credit Union | Trend (4q) | 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 | Winsouth Credit Union | Trend (4q) | 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 | Winsouth Credit Union | Trend (4q) | 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 | Winsouth Credit Union | Trend (4q) | 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.