Valley Communities
Mosinee, WI · Charter 66430 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$306.9MAssets
$156.3MLoans
$264.2MShares
$39.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets (rank 445 of 1682).
- Widest gap: net interest margin trails 66% of credit unions under $1B in assets (rank 1106 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.91%
Rank 674 of 1,683
Net Interest Margin
3.51%
Rank 1,106 of 1,683
Efficiency Ratio
77.24%
Rank 790 of 1,682
Equity / Assets
12.97%
Rank 823 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 674 / 1,683 | | |
| Return on Equity | 6.99% | 2.67% | 5.89% | 8.74% | Beats 61% | 656 / 1,681 | | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,106 / 1,683 | | |
| Efficiency Ratio | 77.24% | 68.91% | 78.20% | 86.93% | Beats 53% | 790 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 445 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 10.44% | 12.89% | 16.53% | Beats 51% | 823 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.97% | 10.44% | 12.89% | 16.53% | Beats 51% | 823 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.18% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,117 / 1,683 | | |
| Loans / Assets | 50.95% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,090 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |