Onalaska, WI · Charter 24077
NCUA · 18 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
74
Profitability
88
Liquidity
0
Efficiency
88
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.
Onalaska, WI · Charter 24077
NCUA · 18 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.48% | 1.53% | 1.64% | 1.66% | +22 bps | |
| Return on Equity | 12.38% | 12.34% | 12.52% | 13.19% | 13.07% | +69 bps | |
| Net Interest Margin | 3.47% | 3.56% | 3.59% | 3.74% | 3.72% | +25 bps | |
| Efficiency Ratio | 58.78% | 58.10% | 57.78% | 61.77% | 59.82% | +104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.78% | 2.52% | 3.48% | 2.78% | 4.46% | -132 bps | |
| Loan Growth (YoY) | 2.85% | 3.01% | 4.71% | 5.78% | 7.64% | +479 bps | |
| Share Growth (YoY) | 4.51% | 4.92% | 4.90% | 2.53% | 3.86% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.64% | 0.61% | 0.45% | 0.46% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.64% | 12.02% | 12.22% | 12.44% | 12.68% | +104 bps | |
| Net Worth / Assets | 11.64% | 12.02% | 12.22% | 12.44% | 12.68% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.99% | 105.79% | 107.02% | 106.99% | 109.84% | +386 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Onalaska, WI · Charter 24077 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
1.66%
Rank 21 of 435
Net Interest Margin
3.72%
Rank 113 of 435
Efficiency Ratio
59.82%
Rank 55 of 435
Equity / Assets
12.68%
Rank 107 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 0.55% | 0.81% | 1.14% | Beats 95% | 21 / 435 | |
| Return on Equity | 13.07% | 5.12% | 7.41% | 9.70% | Beats 94% | 24 / 435 | |
| Net Interest Margin | 3.72% | 3.01% | 3.39% | 3.75% | Beats 74% | 113 / 435 | |
| Efficiency Ratio | 59.82% | 65.25% | 71.39% | 77.86% | Beats 88% | 55 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 113 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.68% | 9.81% | 10.84% | 12.63% | Beats 75% | 107 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.68% | 9.81% | 10.84% | 12.63% | Beats 75% | 107 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.84% | 78.33% | 88.38% | 95.61% | 98th pctl | 10 / 435 | |
| Loans / Assets | 90.08% | 67.69% | 74.58% | 80.80% | 99th pctl | 3 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||