Oshkosh, WI · Charter 66437
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
58
Asset Quality
84
Profitability
48
Liquidity
45
Efficiency
75
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.
Oshkosh, WI · Charter 66437
NCUA · 3 branches
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 | 1.13% | 1.14% | 1.15% | 0.83% | 1.06% | -7 bps | |
| Return on Equity | 8.40% | 8.38% | 8.31% | 6.10% | 7.73% | -67 bps | |
| Net Interest Margin | 2.74% | 2.80% | 2.84% | 2.70% | 2.76% | +2 bps | |
| Efficiency Ratio | 67.30% | 66.71% | 66.33% | 74.59% | 68.78% | +148 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.61% | 6.64% | 5.59% | 6.45% | 6.09% | -152 bps | |
| Loan Growth (YoY) | -0.10% | -2.60% | -3.61% | -4.84% | -3.68% | -358 bps | |
| Share Growth (YoY) | 8.01% | 6.37% | 5.15% | 6.23% | 5.99% | -202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.28% | 0.19% | 0.15% | 0.13% | -12 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 | 13.43% | 13.65% | 13.89% | 13.65% | 13.75% | +32 bps | |
| Net Worth / Assets | 13.43% | 13.65% | 13.89% | 13.65% | 13.75% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.13% | 88.51% | 87.16% | 83.00% | 81.91% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oshkosh, WI · Charter 66437 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.06%
Rank 530 of 1,683
Net Interest Margin
2.76%
Rank 1,556 of 1,683
Efficiency Ratio
68.79%
Rank 415 of 1,682
Equity / Assets
13.75%
Rank 710 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 69% | 530 / 1,683 | |
| Return on Equity | 7.72% | 2.67% | 5.89% | 8.74% | Beats 67% | 551 / 1,681 | |
| Net Interest Margin | 2.76% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,556 / 1,683 | |
| Efficiency Ratio | 68.79% | 68.91% | 78.20% | 86.93% | Beats 75% | 415 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 270 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 710 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.75% | 10.44% | 12.89% | 16.53% | Beats 58% | 710 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.91% | 52.61% | 69.38% | 83.50% | 73rd pctl | 456 / 1,683 | |
| Loans / Assets | 70.17% | 44.71% | 59.18% | 70.72% | 74th pctl | 440 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||