Winnebago Community
Oshkosh, WI · Charter 66437 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$176.1MAssets
$123.5MLoans
$150.8MShares
$24.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets (rank 270 of 1682).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1556 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 8-Qtr Trend | 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 |