Kenosha, WI · Charter 66410
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 | 1.21% | 1.04% | 0.65% | 0.06% | 0.43% | -78 bps | |
| Return on Equity | 2.90% | 2.52% | 1.62% | 0.15% | 1.14% | -177 bps | |
| Net Interest Margin | 3.49% | 3.34% | 3.35% | 2.92% | 2.92% | -57 bps | |
| Efficiency Ratio | 66.13% | 70.46% | 83.14% | 73.54% | 73.31% | +718 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.41% | 0.42% | 2.85% | 7.83% | 10.36% | +1,077 bps | |
| Loan Growth (YoY) | -22.42% | -20.92% | -6.88% | -3.88% | 7.59% | +3,001 bps | |
| Share Growth (YoY) | -2.87% | -1.28% | 2.89% | 11.68% | 16.12% | +1,899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.57% | 1.24% | 1.35% | 1.24% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.80% | 0.72% | 1.39% | 1.76% | +100 bps | |
| Capital | |||||||
| Risk-Based Capital | 41.53% | 41.07% | 40.25% | 38.55% | 37.91% | -362 bps | |
| Net Worth / Assets | 41.53% | 41.07% | 40.25% | 38.55% | 37.91% | -362 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.60% | 57.33% | 60.80% | 53.03% | 55.23% | -438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |