PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Governmental Employees

La Crosse, WI · Charter 66529

NCUA · 3 branches

Q2 2026

$121.8MAssets
$102.5MLoans
$109.2MShares
$11.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 8 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.71% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.40%, up 22 bps from a year ago.
  • Funding: loans stand at 93.86% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.67%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+20 bps YoY

Efficiency Ratio (quarter, annualized)

72.23%+108 bps YoY

Net Worth / Assets

9.40%+22 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.44%0.68%0.59%0.76%0.74%0.72%0.67%+8 bps
Return on Equity4.02%4.83%7.51%6.38%8.02%7.79%7.59%7.08%+69 bps
Net Interest Margin2.63%2.69%2.92%3.01%3.13%3.14%3.23%3.20%+20 bps
Efficiency Ratio77.91%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 / Loans0.46%0.49%0.79%0.70%0.78%0.61%0.59%0.71%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.08%9.15%9.10%9.18%9.47%9.45%9.44%9.40%+22 bps
Net Worth / Assets9.08%9.15%9.10%9.18%9.47%9.45%9.44%9.40%+22 bps
Liquidity & Funding
Loans / Shares92.99%90.37%87.98%88.78%90.39%89.24%91.99%93.86%+507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps