Stevens Point, WI · Charter 66439
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.24% | 0.81% | 0.86% | 0.89% | 0.86% | 0.81% | 0.73% | -13 bps | |
| Return on Equity | 6.67% | 1.78% | 6.28% | 6.69% | 6.89% | 6.73% | 6.48% | 5.87% | -82 bps | |
| Net Interest Margin | 2.83% | 2.19% | 2.75% | 2.78% | 2.79% | 2.80% | 2.81% | 2.82% | +4 bps | |
| Efficiency Ratio | 70.19% | 89.07% | 73.84% | 69.48% | 68.54% | 67.81% | 67.03% | 69.28% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 1.82% | 4.12% | 6.32% | 10.23% | 12.99% | 11.94% | 10.95% | +463 bps | |
| Loan Growth (YoY) | 6.91% | 4.31% | 4.04% | 4.11% | 3.68% | 4.82% | 4.78% | 3.64% | -47 bps | |
| Share Growth (YoY) | 1.06% | 1.49% | 5.17% | 7.61% | 11.89% | 14.20% | 12.38% | 11.01% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.11% | 0.12% | 0.12% | 0.17% | 0.46% | 0.40% | 0.44% | +32 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 | 13.95% | 13.52% | 12.97% | 12.90% | 12.90% | 12.83% | 12.42% | 12.41% | -49 bps | |
| Net Worth / Assets | 13.95% | 13.52% | 12.97% | 12.90% | 12.90% | 12.83% | 12.42% | 12.41% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.07% | 84.87% | 78.93% | 78.64% | 77.90% | 77.90% | 73.59% | 73.42% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |