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 | |