Racine, WI · Charter 66448
NCUA · 27 branches
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 | 1.17% | 1.10% | 1.48% | 1.46% | 1.47% | 1.43% | 1.62% | 1.39% | -6 bps | |
| Return on Equity | 8.74% | 8.08% | 10.93% | 10.56% | 10.44% | 10.17% | 11.64% | 10.02% | -54 bps | |
| Net Interest Margin | 2.93% | 3.01% | 3.17% | 3.21% | 3.22% | 3.22% | 3.25% | 3.27% | +6 bps | |
| Efficiency Ratio | 68.12% | 68.78% | 66.01% | 65.23% | 65.05% | 64.29% | 63.53% | 66.42% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 5.08% | 8.41% | 7.98% | 8.03% | 10.54% | 8.14% | 9.67% | +169 bps | |
| Loan Growth (YoY) | 3.15% | 4.58% | 7.24% | 7.33% | 7.38% | 6.86% | 3.85% | 4.61% | -272 bps | |
| Share Growth (YoY) | 4.68% | 5.67% | 8.06% | 7.51% | 6.98% | 9.05% | 5.67% | 6.18% | -133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.84% | 0.73% | 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 | 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 | 13.35% | 13.56% | 13.57% | 13.80% | 14.03% | 14.06% | 13.94% | 13.92% | +12 bps | |
| Net Worth / Assets | 13.35% | 13.56% | 13.57% | 13.80% | 14.03% | 14.06% | 13.94% | 13.92% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.17% | 79.45% | 77.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |