La Crosse, WI · Charter 66477
NCUA · 1 branch
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 | 0.26% | 0.38% | 1.03% | 1.00% | 1.02% | 1.00% | 1.05% | 0.84% | -16 bps | |
| Return on Equity | 2.19% | 3.15% | 8.40% | 7.98% | 8.03% | 7.94% | 8.34% | 6.10% | -188 bps | |
| Net Interest Margin | 2.32% | 2.34% | 2.78% | 2.92% | 3.03% | 3.01% | 3.04% | 2.86% | -6 bps | |
| Efficiency Ratio | 88.80% | 83.90% | 69.00% | 70.84% | 70.26% | 69.79% | 73.18% | 77.49% | +665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.79% | 0.50% | 3.97% | 5.10% | 0.95% | 4.60% | 5.53% | 38.95% | +3,385 bps | |
| Loan Growth (YoY) | -2.98% | -2.71% | 0.48% | 8.55% | 13.13% | 12.02% | 12.84% | 38.88% | +3,032 bps | |
| Share Growth (YoY) | 3.29% | 0.49% | 3.74% | 5.04% | -0.43% | 3.74% | 4.86% | 36.81% | +3,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.07% | 0.09% | 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 | 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 | 11.92% | 12.14% | 12.24% | 12.53% | 12.76% | 12.61% | 12.59% | 13.80% | +127 bps | |
| Net Worth / Assets | 11.92% | 12.14% | 12.24% | 12.53% | 12.76% | 12.61% | 12.59% | 13.80% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.46% | 82.29% | 83.45% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |