PackageTrendsPeer
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Sentry

Stevens Point, WI · Charter 66439

NCUA · 1 branch

Q2 2026

$172.5MAssets
$109.4MLoans
$149.0MShares
$21.4MNet 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 0.73%, down 13 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.44% of loans (+32 bps YoY).
  • Capital: net worth / assets of 12.41%, down 49 bps from a year ago.
  • Funding: loans stand at 73.42% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.73%-13 bps YoY

Net Interest Margin (quarter, annualized)

2.82%+4 bps YoY

Efficiency Ratio (quarter, annualized)

69.28%-20 bps YoY

Net Worth / Assets

12.41%-49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.89%0.86%0.81%0.73%-13 bps
Return on Equity6.69%6.89%6.73%6.48%5.87%-82 bps
Net Interest Margin2.78%2.79%2.80%2.81%2.82%+4 bps
Efficiency Ratio69.48%68.54%67.81%67.03%69.28%-20 bps
Growth
Asset Growth (YoY)6.32%10.23%12.99%11.94%10.95%+463 bps
Loan Growth (YoY)4.11%3.68%4.82%4.78%3.64%-47 bps
Share Growth (YoY)7.61%11.89%14.20%12.38%11.01%+340 bps
Asset Quality
Delinquent Loans / Loans0.12%0.17%0.46%0.40%0.44%+32 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 Capital12.90%12.90%12.83%12.42%12.41%-49 bps
Net Worth / Assets12.90%12.90%12.83%12.42%12.41%-49 bps
Liquidity & Funding
Loans / Shares78.64%77.90%77.90%73.59%73.42%-522 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps