Sheboygan Area

Sheboygan, WI · 2 · Charter #66616 · www.shebareacu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$87.1M
36th percentile
Members
6,868
44th percentile
Total loans
$51.8M
42th percentile
Total shares
$72.7M
35th percentile

Profitability

Return on assets
2.20%
95th percentile
Net interest margin
3.99%
68th percentile
Efficiency ratio
51.48%
81th percentile
Non-interest income ratio
19.68%
62th percentile

Capital & Risk

Net worth ratio
15.35%
78th percentile
Delinquency rate
0.42%
71th percentile
Net charge-off rate
0.08%
87th percentile
Loan-to-share
71.23%
56th percentile

Growth

Member growth YoY
2.16%
80th percentile
Asset growth YoY
6.47%
73th percentile
Loan growth YoY
1.18%
49th percentile
Share growth YoY
4.53%
61th percentile

Operations

Members / branch
3,434
58th percentile
Assets / member
$12,676
35th percentile
Field of membership penetration
1.20%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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