Madison, WI · Charter 66431
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.00% | 0.96% | 0.85% | 0.95% | 1.09% | 1.26% | 1.09% | +24 bps | |
| Return on Equity | 9.25% | 9.53% | 9.07% | 7.99% | 8.90% | 9.74% | 11.18% | 9.91% | +192 bps | |
| Net Interest Margin | 3.35% | 3.41% | 3.59% | 3.61% | 3.63% | 3.76% | 3.94% | 3.91% | +30 bps | |
| Efficiency Ratio | 73.93% | 72.49% | 73.28% | 73.91% | 71.60% | 69.40% | 66.67% | 66.22% | -769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.90% | -0.10% | -0.45% | 2.02% | 5.48% | 3.67% | 5.29% | 7.89% | +587 bps | |
| Loan Growth (YoY) | 8.00% | 5.62% | 4.60% | 2.19% | 1.55% | 2.58% | 1.43% | 0.23% | -196 bps | |
| Share Growth (YoY) | -8.10% | 0.71% | -2.28% | 1.58% | 4.82% | 2.80% | 5.67% | 7.51% | +593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.15% | 0.20% | 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 | 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 | 10.25% | 10.51% | 10.61% | 10.64% | 10.71% | 11.23% | 11.23% | 11.04% | +40 bps | |
| Net Worth / Assets | 10.25% | 10.51% | 10.61% | 10.64% | 10.71% | 11.23% | 11.23% | 11.04% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.41% | 48.02% | 50.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |