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 | |