Madison, WI · Charter 66431
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
42
Profitability
69
Liquidity
24
Efficiency
80
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Madison, WI · Charter 66431
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 | 0.85% | 0.95% | 1.09% | 1.26% | 1.09% | +24 bps | |
| Return on Equity | 7.99% | 8.90% | 9.74% | 11.18% | 9.91% | +192 bps | |
| Net Interest Margin | 3.61% | 3.63% | 3.76% | 3.94% | 3.91% | +30 bps | |
| Efficiency Ratio | 73.91% | 71.60% | 69.40% | 66.67% | 66.22% | -769 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.02% | 5.48% | 3.67% | 5.29% | 7.89% | +587 bps | |
| Loan Growth (YoY) | 2.19% | 1.55% | 2.58% | 1.43% | 0.23% | -196 bps | |
| Share Growth (YoY) | 1.58% | 4.82% | 2.80% | 5.67% | 7.51% | +593 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.18% | 0.47% | 0.24% | 0.82% | +55 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.71% | 11.23% | 11.23% | 11.04% | +40 bps | |
| Net Worth / Assets | 10.64% | 10.71% | 11.23% | 11.23% | 11.04% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.51% | 48.83% | 47.92% | 48.57% | 46.16% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, WI · Charter 66431 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.09%
Rank 502 of 1,683
Net Interest Margin
3.91%
Rank 755 of 1,683
Efficiency Ratio
66.23%
Rank 333 of 1,682
Equity / Assets
11.04%
Rank 1,145 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 502 / 1,683 | |
| Return on Equity | 9.91% | 2.67% | 5.89% | 8.74% | Beats 83% | 290 / 1,681 | |
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 755 / 1,683 | |
| Efficiency Ratio | 66.23% | 68.91% | 78.20% | 86.93% | Beats 80% | 333 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 975 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,145 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,145 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.16% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,387 / 1,683 | |
| Loans / Assets | 40.70% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,342 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||