Westconsin
Menomonie, WI · Charter 66742 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$2.2BAssets
$1.5BLoans
$1.9BShares
$290.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions $1B-$10B in assets (rank 92 of 435).
- Widest gap: nonperforming loans / loans trails 46% of credit unions $1B-$10B in assets (rank 203 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.10%
Rank 121 of 435
Net Interest Margin
3.75%
Rank 109 of 435
Efficiency Ratio
68.43%
Rank 169 of 435
Equity / Assets
12.95%
Rank 92 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 72% | 121 / 435 | | |
| Return on Equity | 8.53% | 5.12% | 7.41% | 9.70% | Beats 64% | 158 / 435 | | |
| Net Interest Margin | 3.75% | 3.01% | 3.39% | 3.75% | Beats 75% | 109 / 435 | | |
| Efficiency Ratio | 68.43% | 65.25% | 71.39% | 77.86% | Beats 61% | 169 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.45% | 0.69% | 1.05% | Beats 54% | 203 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 9.81% | 10.84% | 12.63% | Beats 79% | 92 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.95% | 9.81% | 10.84% | 12.63% | Beats 79% | 92 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.24% | 78.33% | 88.38% | 95.61% | 27th pctl | 316 / 435 | | |
| Loans / Assets | 68.48% | 67.69% | 74.58% | 80.80% | 26th pctl | 320 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |