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Gundersen

La Crosse, WI · Charter 66477

NCUA · 1 branch

Q2 2026

$85.3MAssets
$66.4MLoans
$73.0MShares
$11.8MNet 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 0.84%, down 16 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.07% of loans (-5 bps YoY).
  • Capital: net worth / assets of 13.80%, up 127 bps from a year ago.
  • Funding: loans stand at 90.95% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.84%-16 bps YoY

Net Interest Margin (quarter, annualized)

2.86%-6 bps YoY

Efficiency Ratio (quarter, annualized)

77.49%+665 bps YoY

Net Worth / Assets

13.80%+127 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.02%1.00%1.05%0.84%-16 bps
Return on Equity7.98%8.03%7.94%8.34%6.10%-188 bps
Net Interest Margin2.92%3.03%3.01%3.04%2.86%-6 bps
Efficiency Ratio70.84%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 / Loans0.12%0.13%0.14%0.11%0.07%-5 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 Capital12.53%12.76%12.61%12.59%13.80%+127 bps
Net Worth / Assets12.53%12.76%12.61%12.59%13.80%+127 bps
Liquidity & Funding
Loans / Shares89.60%92.55%88.85%89.80%90.95%+136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps