Medford, WI · Charter 66388
NCUA · 3 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 | 0.95% | 0.84% | 0.84% | 0.89% | 0.86% | 0.84% | 0.64% | 0.70% | -20 bps | |
| Return on Equity | 9.29% | 8.41% | 8.40% | 8.77% | 8.41% | 8.28% | 6.27% | 6.78% | -199 bps | |
| Net Interest Margin | 3.57% | 3.45% | 3.45% | 3.52% | 3.55% | 3.50% | 3.51% | 3.58% | +6 bps | |
| Efficiency Ratio | 78.24% | 80.18% | 80.78% | 80.03% | 80.88% | 80.98% | 85.42% | 83.41% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 6.20% | 4.33% | 5.03% | 7.19% | 5.68% | 5.70% | 6.38% | +136 bps | |
| Loan Growth (YoY) | 2.76% | -2.02% | -5.99% | -6.95% | -7.58% | -7.54% | -5.05% | -1.94% | +501 bps | |
| Share Growth (YoY) | 1.58% | 6.86% | 4.40% | 5.35% | 7.08% | 5.35% | 5.64% | 6.04% | +69 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.21% | 0.19% | 0.17% | 0.19% | 0.25% | 0.23% | 0.21% | +4 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 | 10.19% | 9.93% | 9.94% | 10.17% | 10.26% | 10.21% | 10.16% | 10.28% | +11 bps | |
| Net Worth / Assets | 10.19% | 9.93% | 9.94% | 10.17% | 10.26% | 10.21% | 10.16% | 10.28% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.53% | 67.16% | 63.41% | 63.21% | 61.73% | 58.95% | 56.99% | 58.45% | -475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |