| Metric | Wiremen's Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.1 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +3.0 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 6.3% | 4.4% | +1.9 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.6M | $33.5M | $17.4M | $6.9M | $218K | 1.07% | 3.28% | 0.11% | 5,290 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wiremen's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,180 |
| Q2 2024 | $37.7M | $30.9M | $16.8M | $6.6M | $171K | 0.91% | 2.71% | 0.19% | 5,103 |
Loan mix (Q2 2026): real estate $6.0M · commercial $0 · consumer $10.1M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 80.6% | 26th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Salt Lake, UT, ranked 97th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $16.8M* | 0.00% | 97th |
| Cuyahoga, OH | 1 | $16.8M* | 0.01% | 44th |
Utah: 125th with 0.00% · Ohio: 337th with 0.00% · Cleveland metro: 64th, 0.01% · Salt Lake City-Murray metro: 97th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2