PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lco

Hayward, WI · Charter 24648

NCUA · 1 branch

Q2 2026

$2.9MAssets
$1.0MLoans
$2.5MShares
$402KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, up 26 bps year over year; NIM at 6.17%.
  • Asset quality: problem loans at 0.32% of loans (+8 bps YoY).
  • Capital: net worth / assets of 13.70%, down 119 bps from a year ago.
  • Funding: loans stand at 40.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+26 bps YoY

Net Interest Margin (YTD, annualized)

6.17%+34 bps YoY

Efficiency Ratio (YTD, annualized)

80.34%-346 bps YoY

Net Worth / Assets

13.70%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%1.14%0.45%0.92%0.99%+26 bps
Return on Equity4.90%7.59%3.21%6.79%7.24%+234 bps
Net Interest Margin5.83%5.78%5.70%6.18%6.17%+34 bps
Efficiency Ratio83.80%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 / Loans0.24%0.67%0.05%0.79%0.32%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.89%15.02%14.09%13.60%13.70%-119 bps
Net Worth / Assets14.89%15.02%14.09%13.60%13.70%-119 bps
Liquidity & Funding
Loans / Shares38.19%36.45%40.61%38.88%40.42%+223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps