Hayward, WI · Charter 24648
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
73
Profitability
76
Liquidity
6
Efficiency
43
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.
Hayward, WI · Charter 24648
NCUA · 1 branch
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 | 0.73% | 1.14% | 0.45% | 0.92% | 0.99% | +26 bps | |
| Return on Equity | 4.90% | 7.59% | 3.21% | 6.79% | 7.24% | +234 bps | |
| Net Interest Margin | 5.83% | 5.78% | 5.70% | 6.18% | 6.17% | +34 bps | |
| Efficiency Ratio | 83.80% | 80.27% | 90.61% | 85.64% | 80.34% | -346 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.68% | 7.09% | 6.18% | 13.25% | 14.54% | +1,385 bps | |
| Loan Growth (YoY) | 2.41% | 0.85% | 12.10% | 24.81% | 22.36% | +1,995 bps | |
| Share Growth (YoY) | -2.05% | 5.28% | 6.12% | 14.91% | 15.60% | +1,765 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.67% | 0.05% | 0.79% | 0.32% | +8 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 | 14.89% | 15.02% | 14.09% | 13.60% | 13.70% | -119 bps | |
| Net Worth / Assets | 14.89% | 15.02% | 14.09% | 13.60% | 13.70% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.19% | 36.45% | 40.61% | 38.88% | 40.42% | +223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hayward, WI · Charter 24648 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.02%
Rank 575 of 1,683
Net Interest Margin
6.14%
Rank 32 of 1,683
Efficiency Ratio
80.60%
Rank 962 of 1,682
Equity / Assets
13.72%
Rank 716 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 575 / 1,683 | |
| Return on Equity | 7.46% | 2.67% | 5.89% | 8.74% | Beats 65% | 589 / 1,681 | |
| Net Interest Margin | 6.14% | 3.31% | 3.82% | 4.32% | Beats 98% | 32 / 1,683 | |
| Efficiency Ratio | 80.60% | 68.91% | 78.20% | 86.93% | Beats 43% | 962 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 462 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.72% | 10.44% | 12.89% | 16.53% | Beats 57% | 716 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.72% | 10.44% | 12.89% | 16.53% | Beats 57% | 716 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.44% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,492 / 1,683 | |
| Loans / Assets | 34.70% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,472 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||