PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Wisconsin

Plover, WI · Charter 66513

NCUA · 2 branches

Q2 2026

$56.3MAssets
$31.5MLoans
$49.8MShares
$6.1MNet 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 2.11%, up 43 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.73% of loans (+36 bps YoY).
  • Capital: net worth / assets of 10.81%, up 30 bps from a year ago.
  • Funding: loans stand at 63.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.11%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-17 bps YoY

Efficiency Ratio (YTD, annualized)

51.37%-863 bps YoY

Net Worth / Assets

10.81%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.86%0.76%2.06%2.11%+43 bps
Return on Equity15.97%16.92%7.41%19.66%19.53%+356 bps
Net Interest Margin3.95%3.96%3.06%3.82%3.78%-17 bps
Efficiency Ratio60.00%57.01%76.54%50.98%51.37%-863 bps
Growth
Asset Growth (YoY)3.14%7.10%7.35%6.06%7.07%+393 bps
Loan Growth (YoY)8.20%10.99%2.98%0.45%-2.10%-1,030 bps
Share Growth (YoY)2.43%7.11%7.51%7.56%7.07%+463 bps
Asset Quality
Delinquent Loans / Loans0.37%0.91%0.22%0.17%0.73%+36 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 Capital10.50%10.99%10.25%10.47%10.81%+30 bps
Net Worth / Assets10.50%10.99%10.25%10.47%10.81%+30 bps
Liquidity & Funding
Loans / Shares69.02%69.34%65.10%63.54%63.11%-591 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps