PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Madison

Madison, WI · Charter 66431

NCUA · 1 branch

Q2 2026

$65.1MAssets
$26.5MLoans
$57.4MShares
$7.2MNet 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 1.09%, up 24 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.82% of loans (+55 bps YoY).
  • Capital: net worth / assets of 11.04%, up 40 bps from a year ago.
  • Funding: loans stand at 46.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+30 bps YoY

Efficiency Ratio (YTD, annualized)

66.22%-769 bps YoY

Net Worth / Assets

11.04%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.95%1.09%1.26%1.09%+24 bps
Return on Equity7.99%8.90%9.74%11.18%9.91%+192 bps
Net Interest Margin3.61%3.63%3.76%3.94%3.91%+30 bps
Efficiency Ratio73.91%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 / Loans0.27%0.18%0.47%0.24%0.82%+55 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 Capital10.64%10.71%11.23%11.23%11.04%+40 bps
Net Worth / Assets10.64%10.71%11.23%11.23%11.04%+40 bps
Liquidity & Funding
Loans / Shares49.51%48.83%47.92%48.57%46.16%-335 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps