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Holy Family Memorial

Manitowoc, WI · Charter 66476

NCUA · 2 branches

Q2 2026

$19.7MAssets
$10.3MLoans
$17.4MShares
$2.2MNet 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 0.46%, up 18 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.09% of loans (+6 bps YoY).
  • Capital: net worth / assets of 11.09%, down 55 bps from a year ago.
  • Funding: loans stand at 59.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+1 bps YoY

Efficiency Ratio (quarter, annualized)

87.92%+48 bps YoY

Net Worth / Assets

11.09%-55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.46%0.67%-0.14%0.46%+18 bps
Return on Equity2.47%3.93%5.93%-1.25%4.18%+171 bps
Net Interest Margin3.16%3.19%3.17%3.13%3.17%+1 bps
Efficiency Ratio87.44%85.47%82.83%104.80%87.92%+48 bps
Growth
Asset Growth (YoY)1.35%2.20%6.61%6.08%8.96%+760 bps
Loan Growth (YoY)-7.64%0.56%7.22%10.45%5.55%+1,319 bps
Share Growth (YoY)0.69%1.47%6.66%6.46%9.53%+884 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.00%0.08%0.09%+6 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 Capital11.65%11.66%11.36%11.12%11.09%-55 bps
Net Worth / Assets11.65%11.66%11.36%11.12%11.09%-55 bps
Liquidity & Funding
Loans / Shares61.32%64.32%65.52%62.68%59.09%-223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps