Wausau, WI · Charter 66461
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
88
Profitability
21
Liquidity
0
Efficiency
26
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.
Wausau, WI · Charter 66461
NCUA · 1 branch
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 | -0.07% | 0.01% | -0.47% | 0.03% | 0.41% | +48 bps | |
| Return on Equity | -0.33% | 0.06% | -2.29% | 0.16% | 2.10% | +243 bps | |
| Net Interest Margin | 3.20% | 3.12% | 3.08% | 3.14% | 3.09% | -11 bps | |
| Efficiency Ratio | 104.99% | 101.92% | 115.33% | 97.57% | 86.73% | -1,826 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.18% | 5.34% | 8.93% | 8.89% | 13.67% | +649 bps | |
| Loan Growth (YoY) | 8.08% | 18.05% | 25.27% | 26.78% | 32.14% | +2,406 bps | |
| Share Growth (YoY) | 9.33% | 7.29% | 12.42% | 12.21% | 16.91% | +758 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.56% | 0.27% | 0.05% | 0.07% | -34 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 | 22.23% | 21.78% | 20.67% | 20.25% | 19.33% | -290 bps | |
| Net Worth / Assets | 22.23% | 21.78% | 20.67% | 20.25% | 19.33% | -290 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.60% | 101.48% | 103.85% | 103.51% | 102.40% | +1,180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wausau, WI · Charter 66461 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 1,224 of 1,683
Net Interest Margin
3.09%
Rank 1,397 of 1,683
Efficiency Ratio
86.73%
Rank 1,254 of 1,682
Equity / Assets
19.33%
Rank 254 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,224 / 1,683 | |
| Return on Equity | 2.08% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,337 / 1,681 | |
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,397 / 1,683 | |
| Efficiency Ratio | 86.73% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,254 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 201 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.33% | 10.44% | 12.89% | 16.53% | Beats 85% | 254 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.33% | 10.44% | 12.89% | 16.53% | Beats 85% | 254 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.39% | 52.61% | 69.38% | 83.50% | 98th pctl | 41 / 1,683 | |
| Loans / Assets | 81.76% | 44.71% | 59.18% | 70.72% | 94th pctl | 105 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||