Minden, LA · Charter 22219
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
67
Profitability
58
Liquidity
0
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Minden, LA · Charter 22219
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.47% | 1.80% | 1.29% | 1.47% | 1.35% | 1.09% | 0.89% | -40 bps | |
| Return on Equity | 0.63% | 1.33% | 5.07% | 3.55% | 3.90% | 3.44% | 2.82% | 2.41% | -115 bps | |
| Net Interest Margin | 8.25% | 8.04% | 8.15% | 8.62% | 8.87% | 9.02% | 8.18% | 7.80% | -82 bps | |
| Efficiency Ratio | 92.25% | 90.46% | 77.35% | 84.24% | 82.64% | 84.56% | 85.47% | 86.52% | +228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | 7.28% | 10.57% | 5.51% | 1.16% | -5.96% | -4.99% | 0.52% | -499 bps | |
| Loan Growth (YoY) | 7.90% | 9.07% | 14.39% | 7.95% | -7.87% | -7.49% | -12.21% | -9.00% | -1,695 bps | |
| Share Growth (YoY) | 0.39% | 0.29% | 7.92% | 2.61% | -0.11% | -1.42% | -3.11% | 1.63% | -98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.35% | 0.59% | 0.18% | 0.31% | 0.47% | 0.62% | 0.46% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 2.48% | 2.55% | 2.68% | 2.91% | 2.90% | 3.27% | 3.02% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.84% | 35.47% | 35.51% | 36.27% | 37.65% | 39.06% | 38.49% | 37.10% | +84 bps | |
| Net Worth / Assets | 36.84% | 35.47% | 35.51% | 36.27% | 37.65% | 39.06% | 38.49% | 37.10% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.28% | 120.94% | 114.68% | 112.03% | 105.40% | 113.50% | 103.90% | 100.31% | -1,171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Minden, LA · Charter 22219 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 7 of 15
Net Interest Margin
7.67%
Rank 1 of 15
Efficiency Ratio
88.24%
Rank 13 of 15
Equity / Assets
37.05%
Rank 1 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.50% | 0.76% | 1.34% | Beats 53% | 7 / 15 | ||
| Return on Equity | 2.59% | 2.37% | 4.90% | 7.95% | Beats 27% | 11 / 15 | ||
| Net Interest Margin | 7.67% | 3.53% | 4.50% | 4.86% | Beats 93% | 1 / 15 | ||
| Efficiency Ratio | 88.24% | 69.88% | 80.52% | 87.17% | Beats 20% | 13 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.06% | 0.45% | 1.49% | Beats 67% | 6 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.05% | 10.98% | 17.30% | 27.61% | Beats 93% | 1 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.05% | 10.98% | 17.30% | 27.61% | Beats 93% | 1 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.20% | 50.66% | 78.47% | 90.72% | 87th pctl | 2 / 15 | ||
| Loans / Assets | 61.27% | 44.38% | 58.78% | 71.82% | 53rd pctl | 7 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||