Hayward, WI · Charter 24648
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 | 3.59% | 3.44% | 3.10% | 0.73% | 1.14% | 0.45% | 0.92% | 0.99% | +26 bps | |
| Return on Equity | 25.86% | 24.35% | 20.70% | 4.90% | 7.59% | 3.21% | 6.79% | 7.24% | +234 bps | |
| Net Interest Margin | 6.69% | 6.27% | 5.83% | 5.83% | 5.78% | 5.70% | 6.18% | 6.17% | +34 bps | |
| Efficiency Ratio | 55.33% | 55.59% | 60.05% | 83.80% | 80.27% | 90.61% | 85.64% | 80.34% | -346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.82% | 0.59% | -4.23% | 0.68% | 7.09% | 6.18% | 13.25% | 14.54% | +1,385 bps | |
| Loan Growth (YoY) | 8.55% | 18.87% | 6.09% | 2.41% | 0.85% | 12.10% | 24.81% | 22.36% | +1,995 bps | |
| Share Growth (YoY) | -7.64% | -3.08% | -8.41% | -2.05% | 5.28% | 6.12% | 14.91% | 15.60% | +1,765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 0.35% | 0.77% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.02% | 2.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.87% | 14.11% | 14.96% | 14.89% | 15.02% | 14.09% | 13.60% | 13.70% | -119 bps | |
| Net Worth / Assets | 13.87% | 14.11% | 14.96% | 14.89% | 15.02% | 14.09% | 13.60% | 13.70% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.06% | 38.45% | 35.80% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |