Onalaska, WI · Charter 66423
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 | 0.73% | 0.89% | 0.90% | 0.98% | 1.06% | 1.24% | 1.30% | 1.35% | +38 bps | |
| Return on Equity | 4.94% | 5.77% | 5.84% | 6.27% | 6.85% | 7.93% | 8.10% | 8.39% | +212 bps | |
| Net Interest Margin | 2.84% | 3.04% | 3.35% | 3.42% | 3.42% | 3.49% | 3.71% | 3.76% | +34 bps | |
| Efficiency Ratio | 78.93% | 76.35% | 76.35% | 73.91% | 71.86% | 69.15% | 69.86% | 68.07% | -584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 2.02% | 3.39% | 2.61% | 3.10% | 7.12% | 5.48% | 6.13% | +352 bps | |
| Loan Growth (YoY) | -0.37% | -2.08% | 0.40% | 3.42% | 11.87% | 9.89% | 9.63% | 7.46% | +404 bps | |
| Share Growth (YoY) | 5.32% | 2.05% | 2.25% | 2.73% | 2.41% | 6.94% | 5.04% | 5.05% | +232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.21% | 0.28% | 0.63% | 0.39% | 0.36% | 0.58% | 0.57% | -6 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 | 14.78% | 15.43% | 15.48% | 15.58% | 15.44% | 15.65% | 16.04% | 16.12% | +54 bps | |
| Net Worth / Assets | 14.78% | 15.43% | 15.48% | 15.58% | 15.44% | 15.65% | 16.04% | 16.12% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.39% | 97.23% | 97.48% | 98.62% | 104.21% | 99.91% | 101.74% | 100.88% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |