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Letter portraitLegal landscapeQuarterYTD

Madison Fire Department

Madison, WI · Charter 66499

NCUA · 1 branch

Q2 2026

$5.5MAssets
$3.9MLoans
$4.4MShares
$1.1MNet 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 1.25%, up 30 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.86%, up 70 bps from a year ago.
  • Funding: loans stand at 89.97% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.25%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+28 bps YoY

Efficiency Ratio (quarter, annualized)

60.21%-799 bps YoY

Net Worth / Assets

19.86%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.95%1.13%1.21%1.25%+30 bps
Return on Equity4.96%5.00%5.73%6.25%6.30%+133 bps
Net Interest Margin2.97%3.02%3.09%3.36%3.25%+28 bps
Efficiency Ratio68.20%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.08%0.08%0.12%0.12%+3 bps
Capital
Risk-Based Capital19.16%18.99%19.79%19.31%19.86%+70 bps
Net Worth / Assets19.16%18.99%19.79%19.31%19.86%+70 bps
Liquidity & Funding
Loans / Shares89.75%90.36%90.63%85.61%89.97%+21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps