| Metric | Wmcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +72.5% | +3.9% | +68.6 pts |
| Share growth (YoY) | +79.5% | +3.3% | +76.2 pts |
| Loan growth (YoY) | +93.6% | +2.9% | +90.7 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $449.2M | $367.9M | $206.5M | $77.5M | $1.2M | 1.05% | 4.50% | 1.15% | 29,196 |
| Q4 2025 | $441.9M | $360.5M | $212.7M | $76.3M | $4.7M | 1.07% | 4.18% | 1.55% | 29,677 |
| Q3 2025 | $437.4M | $357.3M | $218.7M | $75.3M | $3.6M | 1.09% | 4.01% | 1.44% | 30,411 |
| Q2 2025 | $448.1M | $369.7M | $221.8M | $74.0M | $2.2M | 1.00% | 3.46% | 1.58% | 31,117 |
| Q1 2025 | $260.5M | $205.0M | $106.7M | $53.1M | $1.2M | 1.83% | 3.98% | 0.30% | 17,537 |
| Q4 2024 | $252.3M | $199.5M | $113.3M | $51.9M | $4.5M | 1.80% | 4.06% | 0.61% | 17,838 |
| Q3 2024 | $251.3M | $199.6M | $118.8M | $50.3M | $2.8M | 1.50% | 3.99% | 0.38% | 18,034 |
| Q2 2024 | $255.7M | $204.9M | $124.5M | $49.3M | $1.8M | 1.40% | 3.85% |
| Ratio | Wmcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 18,184 |
Loan mix (Q1 2026): real estate $83.9M · commercial $34.2M · consumer $66.7M · securities $162.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.7% | 42th |
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 | Wmcu 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 | Wmcu 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 | Wmcu 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 | Wmcu 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.