| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | +0.7% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -0.9% | -2.6% | +1.7 pts |
| ROA | 0.04% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.2M | $2.8M | $1.4M | $309K | $653 | 0.04% | 2.39% | 0.00% | 369 |
| Q1 2026 | $3.1M | $2.7M | $1.4M | $308K | $477 | 0.06% | 2.49% | 0.00% | 368 |
| Q4 2025 | $3.1M | $2.8M | $1.4M | $308K | $997 | 0.03% | 2.37% | 0.00% | 369 |
| Q3 2025 | $3.1M | $2.8M | $1.4M | $318K | $11K | 0.48% | 2.42% | 0.00% | 372 |
| Q2 2025 | $3.1M | $2.8M | $1.4M | $314K | $7K | 0.45% | 2.42% | 0.00% | 374 |
| Q1 2025 | $3.2M | $2.9M | $1.5M | $311K | $4K | 0.48% | 2.42% | 0.00% | 373 |
| Q4 2024 | $3.0M | $2.7M | $1.5M | $307K | $239 | 0.01% | 2.59% | 0.00% | 373 |
| Q3 2024 | $3.1M | $2.8M | $1.6M | $320K | $13K | 0.56% | 2.65% | 0.00% | 372 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.2M |
| $2.8M |
| $1.7M |
| $316K |
| $9K |
| 0.57% |
| 2.73% |
| 0.00% |
| 374 |
Loan mix (Q2 2026): real estate $953K · commercial $0 · consumer $450K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.3% | 80.6% | 85th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Milwaukee, WI, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Milwaukee, WI | 1 | $2.8M* | 0.00% | 45th |
Wisconsin: 316th with 0.00% · Milwaukee-Waukesha metro: 84th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1