Racine, WI · Charter 66448
NCUA · 27 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.47% | 1.43% | 1.62% | 1.39% | -6 bps | |
| Return on Equity | 10.56% | 10.44% | 10.17% | 11.64% | 10.02% | -54 bps | |
| Net Interest Margin | 3.21% | 3.22% | 3.22% | 3.25% | 3.27% | +6 bps | |
| Efficiency Ratio | 65.23% | 65.05% | 64.29% | 63.53% | 66.42% | +120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.98% | 8.03% | 10.54% | 8.14% | 9.67% | +169 bps | |
| Loan Growth (YoY) | 7.33% | 7.38% | 6.86% | 3.85% | 4.61% | -272 bps | |
| Share Growth (YoY) | 7.51% | 6.98% | 9.05% | 5.67% | 6.18% | -133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 0.96% | 0.92% | 0.66% | 0.97% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.80% | 14.03% | 14.06% | 13.94% | 13.92% | +12 bps | |
| Net Worth / Assets | 13.80% | 14.03% | 14.06% | 13.94% | 13.92% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.76% | 78.47% | 77.85% | 75.72% | 76.61% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |