Waterloo, WI · Charter 66537
NCUA · 4 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
40
Asset Quality
24
Profitability
51
Liquidity
5
Efficiency
37
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.
Waterloo, WI · Charter 66537
NCUA · 4 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 | -0.01% | 0.06% | 0.15% | 0.17% | 0.46% | 0.47% | 0.15% | 0.53% | +36 bps | |
| Return on Equity | -0.05% | 0.52% | 1.25% | 1.42% | 3.82% | 3.82% | 1.24% | 4.43% | +301 bps | |
| Net Interest Margin | 4.23% | 4.28% | 4.35% | 4.50% | 4.54% | 4.61% | 4.46% | 4.43% | -7 bps | |
| Efficiency Ratio | 94.09% | 92.05% | 91.51% | 86.70% | 83.30% | 83.46% | 85.26% | 82.48% | -423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 67.54% | 0.88% | -1.98% | -0.95% | -0.53% | -0.29% | 4.15% | 7.10% | +806 bps | |
| Loan Growth (YoY) | 81.55% | 1.92% | 0.06% | -0.01% | 1.20% | 2.35% | -0.11% | 0.77% | +78 bps | |
| Share Growth (YoY) | 64.00% | 1.15% | -0.60% | -1.26% | -0.16% | -0.94% | 4.57% | 7.54% | +880 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 1.69% | 1.86% | 1.66% | 1.23% | 1.55% | 1.44% | 1.35% | -31 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 | 11.64% | 11.71% | 11.99% | 12.07% | 12.11% | 12.21% | 11.97% | 11.90% | -17 bps | |
| Net Worth / Assets | 11.64% | 11.71% | 11.99% | 12.07% | 12.11% | 12.21% | 11.97% | 11.90% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.50% | 94.24% | 96.16% | 97.01% | 96.81% | 97.37% | 91.86% | 90.91% | -610 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterloo, WI · Charter 66537 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.53%
Rank 1,096 of 1,683
Net Interest Margin
4.43%
Rank 367 of 1,683
Efficiency Ratio
82.44%
Rank 1,057 of 1,682
Equity / Assets
11.90%
Rank 1,011 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,096 / 1,683 | ||
| Return on Equity | 4.44% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,030 / 1,681 | ||
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 367 / 1,683 | ||
| Efficiency Ratio | 82.44% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,057 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.35% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,284 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.90% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,011 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.90% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,011 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.91% | 52.61% | 69.38% | 83.50% | 88th pctl | 209 / 1,683 | ||
| Loans / Assets | 79.42% | 44.71% | 59.18% | 70.72% | 91st pctl | 151 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||