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Letter portraitLegal landscapeQuarterYTD

Firefighters

Onalaska, WI · Charter 66423

NCUA · 3 branches

Q2 2026

$133.0MAssets
$111.3MLoans
$110.4MShares
$21.4MNet 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 1.35%, up 38 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.57% of loans (-6 bps YoY).
  • Capital: net worth / assets of 16.12%, up 54 bps from a year ago.
  • Funding: loans stand at 100.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.35%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.76%+34 bps YoY

Efficiency Ratio (quarter, annualized)

68.07%-584 bps YoY

Net Worth / Assets

16.12%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.24%1.30%1.35%+38 bps
Return on Equity6.27%6.85%7.93%8.10%8.39%+212 bps
Net Interest Margin3.42%3.42%3.49%3.71%3.76%+34 bps
Efficiency Ratio73.91%71.86%69.15%69.86%68.07%-584 bps
Growth
Asset Growth (YoY)2.61%3.10%7.12%5.48%6.13%+352 bps
Loan Growth (YoY)3.42%11.87%9.89%9.63%7.46%+404 bps
Share Growth (YoY)2.73%2.41%6.94%5.04%5.05%+232 bps
Asset Quality
Delinquent Loans / Loans0.63%0.39%0.36%0.58%0.57%-6 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 Capital15.58%15.44%15.65%16.04%16.12%+54 bps
Net Worth / Assets15.58%15.44%15.65%16.04%16.12%+54 bps
Liquidity & Funding
Loans / Shares98.62%104.21%99.91%101.74%100.88%+226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps