Public Service
Wausau, WI · Charter 66461 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$13.9MAssets
$11.4MLoans
$11.1MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 201 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1397 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |