1st Class Express
Waukesha, WI · Charter 67022 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 4 branches
Q2 2026
$2.1MAssets
$1.5MLoans
$1.6MShares
$488KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 2 of 15).
- Widest gap: efficiency ratio trails 60% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 10 of 15).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.12%
Rank 6 of 15
Net Interest Margin
6.09%
Rank 2 of 15
Efficiency Ratio
83.33%
Rank 10 of 15
Equity / Assets
22.87%
Rank 6 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.50% | 0.76% | 1.34% | Beats 60% | 6 / 15 | |
| Return on Equity | 4.92% | 2.37% | 4.90% | 7.95% | Beats 53% | 7 / 15 | |
| Net Interest Margin | 6.09% | 3.53% | 4.50% | 4.86% | Beats 87% | 2 / 15 | |
| Efficiency Ratio | 83.33% | 69.88% | 80.52% | 87.17% | Beats 40% | 10 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.06% | 0.45% | 1.49% | Beats 73% | 5 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.87% | 10.98% | 17.30% | 27.61% | Beats 60% | 6 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.87% | 10.98% | 17.30% | 27.61% | Beats 60% | 6 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 90.72% | 50.66% | 78.47% | 90.72% | 73rd pctl | 4 / 15 | |
| Loans / Assets | 69.21% | 44.38% | 58.78% | 71.82% | 67th pctl | 5 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |