Manitowoc, WI · Charter 66476
NCUA · 2 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 (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
33
Asset Quality
87
Profitability
29
Liquidity
66
Efficiency
23
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.
Manitowoc, WI · Charter 66476
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.77% | 0.05% | 0.29% | 0.46% | 0.67% | -0.14% | 0.46% | +18 bps | |
| Return on Equity | 6.82% | 6.60% | 0.44% | 2.47% | 3.93% | 5.93% | -1.25% | 4.18% | +171 bps | |
| Net Interest Margin | 3.19% | 3.23% | 3.06% | 3.16% | 3.19% | 3.17% | 3.13% | 3.17% | +1 bps | |
| Efficiency Ratio | 78.70% | 77.33% | 89.14% | 87.44% | 85.47% | 82.83% | 104.80% | 87.92% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.79% | 5.08% | 2.94% | 1.35% | 2.20% | 6.61% | 6.08% | 8.96% | +760 bps | |
| Loan Growth (YoY) | -2.08% | -11.21% | -10.97% | -7.64% | 0.56% | 7.22% | 10.45% | 5.55% | +1,319 bps | |
| Share Growth (YoY) | 2.24% | 5.31% | 2.64% | 0.69% | 1.47% | 6.66% | 6.46% | 9.53% | +884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.08% | 0.09% | +6 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 | 11.24% | 11.62% | 11.53% | 11.65% | 11.66% | 11.36% | 11.12% | 11.09% | -55 bps | |
| Net Worth / Assets | 11.24% | 11.62% | 11.53% | 11.65% | 11.66% | 11.36% | 11.12% | 11.09% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.90% | 65.17% | 60.41% | 61.32% | 64.32% | 65.52% | 62.68% | 59.09% | -223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manitowoc, WI · Charter 66476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.47%
Rank 1,174 of 1,683
Net Interest Margin
3.17%
Rank 1,349 of 1,683
Efficiency Ratio
87.83%
Rank 1,299 of 1,682
Equity / Assets
11.09%
Rank 1,132 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,174 / 1,683 | ||
| Return on Equity | 4.20% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,063 / 1,681 | ||
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,349 / 1,683 | ||
| Efficiency Ratio | 87.83% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,299 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.26% | 0.65% | 1.29% | Beats 87% | 221 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.09% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,132 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.09% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,132 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.09% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,119 / 1,683 | ||
| Loans / Assets | 52.25% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,051 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||