Spooner, WI · Charter 66434
NCUA · 3 branches
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
67
Asset Quality
44
Profitability
81
Liquidity
43
Efficiency
79
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.
Spooner, WI · Charter 66434
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.08% | 2.04% | 1.89% | 1.92% | 1.91% | 1.98% | 1.69% | 1.55% | -37 bps | |
| Return on Equity | 16.40% | 15.17% | 13.85% | 13.24% | 13.30% | 13.44% | 11.26% | 10.35% | -289 bps | |
| Net Interest Margin | 4.25% | 4.45% | 4.35% | 4.56% | 4.37% | 4.34% | 4.24% | 4.22% | -34 bps | |
| Efficiency Ratio | 54.71% | 56.99% | 60.68% | 61.44% | 60.82% | 59.41% | 64.80% | 66.69% | +525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 1.24% | 0.21% | -3.59% | 1.37% | 5.53% | 4.42% | 9.91% | +1,349 bps | |
| Loan Growth (YoY) | 15.53% | 15.08% | 13.17% | 14.06% | 15.23% | 15.83% | 15.52% | 13.27% | -79 bps | |
| Share Growth (YoY) | -0.46% | -1.60% | -2.78% | -6.04% | -1.20% | 3.15% | 2.49% | 8.49% | +1,453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.39% | 0.35% | 0.66% | 0.33% | 0.79% | 0.67% | 0.78% | +13 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 | 12.68% | 13.44% | 13.62% | 14.47% | 14.37% | 14.72% | 14.97% | 14.98% | +51 bps | |
| Net Worth / Assets | 12.68% | 13.44% | 13.62% | 14.47% | 14.37% | 14.72% | 14.97% | 14.98% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.07% | 72.11% | 72.61% | 78.79% | 79.39% | 80.98% | 81.84% | 82.26% | +347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spooner, WI · Charter 66434 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.55%
Rank 225 of 1,683
Net Interest Margin
4.22%
Rank 488 of 1,683
Efficiency Ratio
66.69%
Rank 351 of 1,682
Equity / Assets
14.98%
Rank 556 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.35% | 0.74% | 1.18% | Beats 87% | 225 / 1,683 | ||
| Return on Equity | 10.36% | 2.67% | 5.89% | 8.74% | Beats 85% | 251 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 488 / 1,683 | ||
| Efficiency Ratio | 66.69% | 68.91% | 78.20% | 86.93% | Beats 79% | 351 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.26% | 0.65% | 1.29% | Beats 44% | 944 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.98% | 10.44% | 12.89% | 16.53% | Beats 67% | 556 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.98% | 10.44% | 12.89% | 16.53% | Beats 67% | 556 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.26% | 52.61% | 69.38% | 83.50% | 74th pctl | 444 / 1,683 | ||
| Loans / Assets | 67.87% | 44.71% | 59.18% | 70.72% | 69th pctl | 525 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||