WESTCONSIN
Charter #66742 · Menomonie, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.02% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.38% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.75% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.25% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WESTCONSIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.20B | 50th pct | 59th pct |
| Members | 127,327 | 53th pct | 66th pct |
| Net worth ratio | 13.02% | 82th pct | 80th pct |
| Return on average assets | 1.38% | 89th pct | 84th pct |
| Net interest margin | 3.75% | 77th pct | 80th pct |
| Cost of funds | 1.50% | 37th pct | 43th pct |
| Loan-to-share | 79.69% | 31th pct | 30th pct |
| Delinquency 60+ days | 0.59% | 46th pct | 51th pct |
| Net charge-off ratio | 0.25% | 18th pct | 25th pct |
| Loan growth YoY | 3.54% | 71th pct | 80th pct |
| Share growth YoY | 2.83% | 27th pct | 26th pct |
| Efficiency ratio | 68.89% | 37th pct | 31th pct |
structural peer set hash: 9c9aebbefe7f6316fa6cc95f7e2ad674… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.