Arcadia, WI · Charter 66532
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
50
Asset Quality
62
Profitability
64
Liquidity
9
Efficiency
74
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.
Arcadia, WI · Charter 66532
NCUA · 1 branch
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 | 0.74% | 0.82% | 0.94% | 1.08% | 1.16% | 1.21% | 1.22% | 1.27% | +19 bps | |
| Return on Equity | 5.95% | 6.64% | 7.62% | 8.59% | 9.09% | 9.51% | 9.54% | 9.83% | +124 bps | |
| Net Interest Margin | 3.28% | 3.28% | 3.48% | 3.59% | 3.62% | 3.58% | 3.43% | 3.46% | -12 bps | |
| Efficiency Ratio | 80.10% | 77.61% | 75.28% | 72.85% | 70.81% | 69.60% | 69.87% | 69.19% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 4.55% | 4.78% | 5.77% | 6.90% | 7.76% | 7.07% | 8.39% | +262 bps | |
| Loan Growth (YoY) | 3.38% | 6.24% | 4.54% | 3.66% | 3.40% | 4.84% | 7.58% | 10.86% | +720 bps | |
| Share Growth (YoY) | 7.55% | 4.15% | 4.48% | 5.44% | 6.38% | 7.25% | 6.34% | 7.86% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.15% | 0.20% | 0.21% | 0.42% | 0.44% | 0.37% | 0.46% | +25 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 | 12.41% | 12.40% | 12.30% | 12.56% | 12.75% | 12.72% | 12.75% | 12.89% | +33 bps | |
| Net Worth / Assets | 12.41% | 12.40% | 12.30% | 12.56% | 12.75% | 12.72% | 12.75% | 12.89% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.69% | 90.62% | 87.78% | 87.67% | 89.12% | 88.59% | 88.80% | 90.10% | +243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arcadia, WI · Charter 66532 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.27%
Rank 364 of 1,683
Net Interest Margin
3.46%
Rank 1,149 of 1,683
Efficiency Ratio
69.23%
Rank 432 of 1,682
Equity / Assets
12.89%
Rank 842 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 364 / 1,683 | ||
| Return on Equity | 9.84% | 2.67% | 5.89% | 8.74% | Beats 82% | 298 / 1,681 | ||
| Net Interest Margin | 3.46% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,149 / 1,683 | ||
| Efficiency Ratio | 69.23% | 68.91% | 78.20% | 86.93% | Beats 74% | 432 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 633 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.89% | 10.44% | 12.89% | 16.53% | Beats 50% | 842 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.89% | 10.44% | 12.89% | 16.53% | Beats 50% | 842 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.10% | 52.61% | 69.38% | 83.50% | 86th pctl | 232 / 1,683 | ||
| Loans / Assets | 77.29% | 44.71% | 59.18% | 70.72% | 88th pctl | 210 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||