La Crosse, WI · Charter 66529
NCUA · 3 branches
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
14
Asset Quality
48
Profitability
43
Liquidity
0
Efficiency
67
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.
La Crosse, WI · Charter 66529
NCUA · 3 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 | 0.37% | 0.44% | 0.68% | 0.59% | 0.76% | 0.74% | 0.72% | 0.67% | +8 bps | |
| Return on Equity | 4.02% | 4.83% | 7.51% | 6.38% | 8.02% | 7.79% | 7.59% | 7.08% | +69 bps | |
| Net Interest Margin | 2.63% | 2.69% | 2.92% | 3.01% | 3.13% | 3.14% | 3.23% | 3.20% | +20 bps | |
| Efficiency Ratio | 77.91% | 75.49% | 76.19% | 71.16% | 69.82% | 69.30% | 74.68% | 72.23% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.97% | 4.27% | 3.56% | 4.69% | 3.91% | 4.96% | 4.54% | 6.22% | +153 bps | |
| Loan Growth (YoY) | 1.01% | -0.51% | -2.31% | -2.08% | 0.48% | 2.78% | 8.45% | 11.74% | +1,381 bps | |
| Share Growth (YoY) | 7.49% | 4.36% | 3.76% | 4.55% | 3.37% | 4.09% | 3.72% | 5.70% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.49% | 0.79% | 0.70% | 0.78% | 0.61% | 0.59% | 0.71% | +1 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 | 9.08% | 9.15% | 9.10% | 9.18% | 9.47% | 9.45% | 9.44% | 9.40% | +22 bps | |
| Net Worth / Assets | 9.08% | 9.15% | 9.10% | 9.18% | 9.47% | 9.45% | 9.44% | 9.40% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.99% | 90.37% | 87.98% | 88.78% | 90.39% | 89.24% | 91.99% | 93.86% | +507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Crosse, WI · Charter 66529 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 929 of 1,683
Net Interest Margin
3.20%
Rank 1,333 of 1,683
Efficiency Ratio
72.27%
Rank 548 of 1,682
Equity / Assets
9.40%
Rank 1,448 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 45% | 929 / 1,683 | ||
| Return on Equity | 7.07% | 2.67% | 5.89% | 8.74% | Beats 62% | 644 / 1,681 | ||
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,333 / 1,683 | ||
| Efficiency Ratio | 72.27% | 68.91% | 78.20% | 86.93% | Beats 67% | 548 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 881 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,448 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,448 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.85% | 52.61% | 69.38% | 83.50% | 92nd pctl | 138 / 1,683 | ||
| Loans / Assets | 84.12% | 44.71% | 59.18% | 70.72% | 97th pctl | 57 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||