Madison, WI · Charter 66499
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
86
Asset Quality
100
Profitability
51
Liquidity
9
Efficiency
89
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.
Madison, WI · Charter 66499
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 | 0.95% | 0.95% | 1.13% | 1.21% | 1.25% | +30 bps | |
| Return on Equity | 4.96% | 5.00% | 5.73% | 6.25% | 6.30% | +133 bps | |
| Net Interest Margin | 2.97% | 3.02% | 3.09% | 3.36% | 3.25% | +28 bps | |
| Efficiency Ratio | 68.20% | 68.64% | 63.75% | 61.60% | 60.21% | -799 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.00% | 5.07% | 4.01% | 5.65% | 2.96% | -203 bps | |
| Loan Growth (YoY) | -11.41% | -4.06% | -3.08% | -2.68% | 2.35% | +1,375 bps | |
| Share Growth (YoY) | 4.93% | 4.74% | 3.55% | 5.50% | 2.10% | -282 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.08% | 0.08% | 0.12% | 0.12% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.16% | 18.99% | 19.79% | 19.31% | 19.86% | +70 bps | |
| Net Worth / Assets | 19.16% | 18.99% | 19.79% | 19.31% | 19.86% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.75% | 90.36% | 90.63% | 85.61% | 89.97% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, WI · Charter 66499 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.24%
Rank 380 of 1,683
Net Interest Margin
3.25%
Rank 1,305 of 1,683
Efficiency Ratio
60.67%
Rank 194 of 1,682
Equity / Assets
19.86%
Rank 232 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 0.35% | 0.74% | 1.18% | Beats 77% | 380 / 1,683 | |
| Return on Equity | 6.26% | 2.67% | 5.89% | 8.74% | Beats 54% | 776 / 1,681 | |
| Net Interest Margin | 3.25% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,305 / 1,683 | |
| Efficiency Ratio | 60.67% | 68.91% | 78.20% | 86.93% | Beats 89% | 194 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.86% | 10.44% | 12.89% | 16.53% | Beats 86% | 232 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.86% | 10.44% | 12.89% | 16.53% | Beats 86% | 232 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.97% | 52.61% | 69.38% | 83.50% | 86th pctl | 234 / 1,683 | |
| Loans / Assets | 71.95% | 44.71% | 59.18% | 70.72% | 77th pctl | 379 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||