PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Public Service

Wausau, WI · Charter 66461

NCUA · 1 branch

Q2 2026

$13.9MAssets
$11.4MLoans
$11.1MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.41%, up 48 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.07% of loans (-34 bps YoY).
  • Capital: net worth / assets of 19.33%, down 290 bps from a year ago.
  • Funding: loans stand at 102.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-11 bps YoY

Efficiency Ratio (YTD, annualized)

86.73%-1,826 bps YoY

Net Worth / Assets

19.33%-290 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.20%3.12%3.08%3.14%3.09%-11 bps
Efficiency Ratio104.99%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 / Loans0.41%0.56%0.27%0.05%0.07%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.23%21.78%20.67%20.25%19.33%-290 bps
Net Worth / Assets22.23%21.78%20.67%20.25%19.33%-290 bps
Liquidity & Funding
Loans / Shares90.60%101.48%103.85%103.51%102.40%+1,180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps