Oshkosh, WI · Charter 66437
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.03% | 0.98% | 1.13% | 1.14% | 1.15% | 0.83% | 1.06% | -7 bps | |
| Return on Equity | 7.32% | 7.68% | 7.31% | 8.40% | 8.38% | 8.31% | 6.10% | 7.73% | -67 bps | |
| Net Interest Margin | 2.63% | 2.65% | 2.68% | 2.74% | 2.80% | 2.84% | 2.70% | 2.76% | +2 bps | |
| Efficiency Ratio | 71.07% | 69.66% | 71.01% | 67.30% | 66.71% | 66.33% | 74.59% | 68.78% | +148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 6.49% | 6.61% | 7.61% | 6.64% | 5.59% | 6.45% | 6.09% | -152 bps | |
| Loan Growth (YoY) | 2.16% | 0.68% | 1.74% | -0.10% | -2.60% | -3.61% | -4.84% | -3.68% | -358 bps | |
| Share Growth (YoY) | 3.18% | 7.07% | 7.14% | 8.01% | 6.37% | 5.15% | 6.23% | 5.99% | -202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.34% | 0.34% | 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 | 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 | 13.33% | 13.45% | 13.37% | 13.43% | 13.65% | 13.89% | 13.65% | 13.75% | +32 bps | |
| Net Worth / Assets | 13.33% | 13.45% | 13.37% | 13.43% | 13.65% | 13.89% | 13.65% | 13.75% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.67% | 95.08% | 92.65% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |