Onalaska, WI · Charter 24077
NCUA · 18 branches
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 | 0.86% | 0.98% | 1.22% | 1.44% | 1.48% | 1.53% | 1.64% | 1.66% | +22 bps | |
| Return on Equity | 7.88% | 8.81% | 10.86% | 12.38% | 12.34% | 12.52% | 13.19% | 13.07% | +69 bps | |
| Net Interest Margin | 2.90% | 3.04% | 3.41% | 3.47% | 3.56% | 3.59% | 3.74% | 3.72% | +25 bps | |
| Efficiency Ratio | 61.75% | 60.88% | 61.58% | 58.78% | 58.10% | 57.78% | 61.77% | 59.82% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 4.43% | 4.60% | 5.78% | 2.52% | 3.48% | 2.78% | 4.46% | -132 bps | |
| Loan Growth (YoY) | 4.35% | 3.95% | 3.64% | 2.85% | 3.01% | 4.71% | 5.78% | 7.64% | +479 bps | |
| Share Growth (YoY) | 1.29% | 2.94% | 3.67% | 4.51% | 4.92% | 4.90% | 2.53% | 3.86% | -65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.66% | 0.46% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.94% | 11.16% | 11.21% | 11.64% | 12.02% | 12.22% | 12.44% | 12.68% | +104 bps | |
| Net Worth / Assets | 10.94% | 11.16% | 11.21% | 11.64% | 12.02% | 12.22% | 12.44% | 12.68% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.76% | 107.21% | 103.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |