Madison, WI · Charter 66492
NCUA · 40 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 | 0.64% | 0.56% | 0.68% | 0.78% | 0.89% | 0.91% | 1.25% | 1.11% | +33 bps | |
| Return on Equity | 6.82% | 6.05% | 7.57% | 8.60% | 9.72% | 9.83% | 13.75% | 12.02% | +342 bps | |
| Net Interest Margin | 3.37% | 3.43% | 3.43% | 3.45% | 3.48% | 3.49% | 3.50% | 3.49% | +5 bps | |
| Efficiency Ratio | 77.72% | 75.76% | 72.10% | 71.44% | 70.45% | 70.78% | 66.84% | 67.90% | -354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.52% | 6.59% | 6.50% | 7.85% | 9.98% | 11.37% | 11.26% | 10.48% | +263 bps | |
| Loan Growth (YoY) | 8.02% | 9.94% | 10.26% | 11.13% | 11.01% | 9.80% | 9.69% | 9.20% | -193 bps | |
| Share Growth (YoY) | 6.00% | 6.22% | 9.36% | 11.22% | 11.48% | 12.83% | 11.69% | 10.73% | -49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.67% | 0.55% | 0.54% | 0.62% | 0.62% | 0.56% | 0.48% | -7 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 | 9.33% | 9.31% | 9.04% | 9.05% | 9.20% | 9.23% | 9.12% | 9.21% | +16 bps | |
| Net Worth / Assets | 9.33% | 9.31% | 9.04% | 9.05% | 9.20% | 9.23% | 9.12% | 9.21% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.04% | 84.48% | 81.36% | 82.27% | 82.69% | 82.21% | 79.90% | 81.13% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |