La Crosse, WI · Charter 66477
NCUA · 1 branch
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
58
Asset Quality
88
Profitability
39
Liquidity
5
Efficiency
52
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.
La Crosse, WI · Charter 66477
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.02% | 1.00% | 1.05% | 0.84% | -16 bps | |
| Return on Equity | 7.98% | 8.03% | 7.94% | 8.34% | 6.10% | -188 bps | |
| Net Interest Margin | 2.92% | 3.03% | 3.01% | 3.04% | 2.86% | -6 bps | |
| Efficiency Ratio | 70.84% | 70.26% | 69.79% | 73.18% | 77.49% | +665 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.10% | 0.95% | 4.60% | 5.53% | 38.95% | +3,385 bps | |
| Loan Growth (YoY) | 8.55% | 13.13% | 12.02% | 12.84% | 38.88% | +3,032 bps | |
| Share Growth (YoY) | 5.04% | -0.43% | 3.74% | 4.86% | 36.81% | +3,177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.13% | 0.14% | 0.11% | 0.07% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.53% | 12.76% | 12.61% | 12.59% | 13.80% | +127 bps | |
| Net Worth / Assets | 12.53% | 12.76% | 12.61% | 12.59% | 13.80% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.60% | 92.55% | 88.85% | 89.80% | 90.95% | +136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Crosse, WI · Charter 66477 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 743 of 1,683
Net Interest Margin
2.86%
Rank 1,519 of 1,683
Efficiency Ratio
77.45%
Rank 801 of 1,682
Equity / Assets
13.80%
Rank 702 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 56% | 743 / 1,683 | |
| Return on Equity | 6.10% | 2.67% | 5.89% | 8.74% | Beats 52% | 804 / 1,681 | |
| Net Interest Margin | 2.86% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,519 / 1,683 | |
| Efficiency Ratio | 77.45% | 68.91% | 78.20% | 86.93% | Beats 52% | 801 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 202 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.80% | 10.44% | 12.89% | 16.53% | Beats 58% | 702 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.80% | 10.44% | 12.89% | 16.53% | Beats 58% | 702 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.95% | 52.61% | 69.38% | 83.50% | 88th pctl | 205 / 1,683 | |
| Loans / Assets | 77.79% | 44.71% | 59.18% | 70.72% | 88th pctl | 194 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||