Cudahy, WI · Charter 66449
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
20
Profitability
62
Liquidity
16
Efficiency
33
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cudahy, WI · Charter 66449
NCUA · 5 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 | 0.75% | 0.78% | 0.34% | 0.44% | 0.71% | -5 bps | |
| Return on Equity | 7.58% | 7.71% | 3.42% | 4.53% | 7.01% | -57 bps | |
| Net Interest Margin | 5.02% | 5.03% | 5.14% | 4.98% | 5.04% | +3 bps | |
| Efficiency Ratio | 78.98% | 78.65% | 83.28% | 94.12% | 84.85% | +587 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.64% | 6.58% | 3.45% | 1.69% | 1.16% | -447 bps | |
| Loan Growth (YoY) | 2.91% | -1.39% | -2.21% | -2.18% | 0.53% | -238 bps | |
| Share Growth (YoY) | 1.35% | 2.66% | 3.63% | 1.97% | 1.67% | +32 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 1.60% | 1.38% | 0.90% | 1.50% | -2 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 | 9.96% | 10.10% | 9.84% | 9.80% | 10.09% | +13 bps | |
| Net Worth / Assets | 9.96% | 10.10% | 9.84% | 9.80% | 10.09% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.99% | 94.32% | 96.45% | 93.56% | 94.92% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cudahy, WI · Charter 66449 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 5 branches
Q2 2026
Return on Assets
0.71%
Rank 9 of 15
Net Interest Margin
5.04%
Rank 3 of 15
Efficiency Ratio
84.84%
Rank 11 of 15
Equity / Assets
10.09%
Rank 14 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.50% | 0.76% | 1.34% | Beats 40% | 9 / 15 | |
| Return on Equity | 7.01% | 2.37% | 4.90% | 7.95% | Beats 67% | 5 / 15 | |
| Net Interest Margin | 5.04% | 3.53% | 4.50% | 4.86% | Beats 80% | 3 / 15 | |
| Efficiency Ratio | 84.84% | 69.88% | 80.52% | 87.17% | Beats 33% | 11 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.50% | 0.06% | 0.45% | 1.49% | Beats 20% | 13 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.09% | 10.98% | 17.30% | 27.61% | Beats 7% | 14 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.09% | 10.98% | 17.30% | 27.61% | Beats 7% | 14 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.92% | 50.66% | 78.47% | 90.72% | 80th pctl | 3 / 15 | |
| Loans / Assets | 80.81% | 44.38% | 58.78% | 71.82% | 93rd pctl | 1 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||