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Winnebago Community

Oshkosh, WI · Charter 66437

NCUA · 3 branches

Q2 2026

$176.1MAssets
$123.5MLoans
$150.8MShares
$24.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, down 7 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.13% of loans (-12 bps YoY).
  • Capital: net worth / assets of 13.75%, up 32 bps from a year ago.
  • Funding: loans stand at 81.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+2 bps YoY

Efficiency Ratio (YTD, annualized)

68.78%+148 bps YoY

Net Worth / Assets

13.75%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.14%1.15%0.83%1.06%-7 bps
Return on Equity8.40%8.38%8.31%6.10%7.73%-67 bps
Net Interest Margin2.74%2.80%2.84%2.70%2.76%+2 bps
Efficiency Ratio67.30%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 / Loans0.25%0.28%0.19%0.15%0.13%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.43%13.65%13.89%13.65%13.75%+32 bps
Net Worth / Assets13.43%13.65%13.89%13.65%13.75%+32 bps
Liquidity & Funding
Loans / Shares90.13%88.51%87.16%83.00%81.91%-822 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps