Wausau, WI · Charter 66466
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.32% | 1.84% | 1.68% | 1.69% | 1.55% | 1.18% | 1.18% | -50 bps | |
| Return on Equity | 8.10% | 8.48% | 11.94% | 10.71% | 10.44% | 9.60% | 7.34% | 7.23% | -348 bps | |
| Net Interest Margin | 3.63% | 3.65% | 3.70% | 3.88% | 3.97% | 3.92% | 3.69% | 3.70% | -17 bps | |
| Efficiency Ratio | 71.91% | 70.53% | 68.10% | 66.87% | 65.29% | 67.13% | 70.71% | 71.26% | +439 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 8.37% | 9.77% | 9.94% | 8.44% | 6.23% | 3.94% | 4.39% | -555 bps | |
| Loan Growth (YoY) | 8.26% | 6.68% | 3.30% | 3.33% | 2.82% | -0.42% | 0.60% | 0.91% | -242 bps | |
| Share Growth (YoY) | 4.89% | 8.49% | 10.14% | 11.03% | 6.90% | 5.35% | 2.64% | 2.57% | -846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.19% | 0.28% | 0.36% | 0.16% | 0.31% | 0.21% | 0.38% | +2 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 | 15.79% | 15.59% | 15.38% | 15.69% | 16.15% | 16.18% | 16.13% | 16.28% | +59 bps | |
| Net Worth / Assets | 15.79% | 15.59% | 15.38% | 15.69% | 16.15% | 16.18% | 16.13% | 16.28% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.10% | 94.00% | 87.03% | 88.25% | 92.42% | 88.85% | 85.30% | 86.82% | -143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |