PackageTrendsPeer
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Valley Communities

Mosinee, WI · Charter 66430

NCUA · 8 branches

Q2 2026

$306.9MAssets
$156.3MLoans
$264.2MShares
$39.8MNet 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 0.91%, up 9 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.28% of loans (-11 bps YoY).
  • Capital: net worth / assets of 12.97%, up 28 bps from a year ago.
  • Funding: loans stand at 59.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.91%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.51%-3 bps YoY

Efficiency Ratio (quarter, annualized)

77.24%-244 bps YoY

Net Worth / Assets

12.97%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.89%0.89%1.02%0.91%+9 bps
Return on Equity6.43%6.91%6.86%7.96%6.99%+56 bps
Net Interest Margin3.54%3.59%3.58%3.49%3.51%-3 bps
Efficiency Ratio79.69%77.52%77.40%75.33%77.24%-244 bps
Growth
Asset Growth (YoY)18.50%17.26%18.41%7.63%5.34%-1,316 bps
Loan Growth (YoY)8.46%10.81%12.61%3.64%2.17%-629 bps
Share Growth (YoY)17.80%16.60%17.85%7.69%5.18%-1,262 bps
Asset Quality
Delinquent Loans / Loans0.40%0.46%0.19%0.38%0.28%-11 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 Capital12.69%12.94%12.98%12.87%12.97%+28 bps
Net Worth / Assets12.69%12.94%12.98%12.87%12.97%+28 bps
Liquidity & Funding
Loans / Shares60.92%62.18%61.90%58.92%59.18%-174 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps