| Metric | Wiremen's Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.1 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.1M | $33.1M | $17.5M | $6.8M | $112K | 1.12% | 3.21% | 0.07% | 5,260 |
| Q4 2025 | $39.7M | $32.7M | $17.6M | $6.7M | $118K | 0.30% | 2.53% | 0.01% | 5,249 |
| Q3 2025 | $38.7M | $31.6M | $17.7M | $6.8M | $257K | 0.89% | 3.10% | 0.18% | 5,313 |
| Q2 2025 | $38.5M | $31.6M | $17.3M | $6.7M | $152K | 0.79% | 3.02% | 0.20% | 5,310 |
| Q1 2025 | $38.4M | $31.7M | $17.0M | $6.6M | $48K | 0.50% | 2.89% | 0.30% | 5,264 |
| Q4 2024 | $38.0M | $31.3M | $16.7M | $6.6M | $110K | 0.29% | 2.22% | 0.30% | 5,201 |
| Q3 2024 | $37.5M | $30.6M | $16.7M | $6.7M | $260K | 0.93% | 2.76% | 0.37% | 5,180 |
| Q2 2024 | $37.7M | $30.9M | $16.8M | $6.6M | $171K | 0.91% | 2.71% | 0.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Wiremen's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,103 |
Loan mix (Q1 2026): real estate $6.1M · commercial $0 · consumer $10.2M · securities $19.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 81.5% | 23th |
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 | Wiremen's 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 | Wiremen's 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 | Wiremen's 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 | Wiremen's 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.