Waterloo, WI · Charter 66537
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.46% | 0.47% | 0.15% | 0.53% | +36 bps | |
| Return on Equity | 1.42% | 3.82% | 3.82% | 1.24% | 4.43% | +301 bps | |
| Net Interest Margin | 4.50% | 4.54% | 4.61% | 4.46% | 4.43% | -7 bps | |
| Efficiency Ratio | 86.70% | 83.30% | 83.46% | 85.26% | 82.48% | -423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.95% | -0.53% | -0.29% | 4.15% | 7.10% | +806 bps | |
| Loan Growth (YoY) | -0.01% | 1.20% | 2.35% | -0.11% | 0.77% | +78 bps | |
| Share Growth (YoY) | -1.26% | -0.16% | -0.94% | 4.57% | 7.54% | +880 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.07% | 12.11% | 12.21% | 11.97% | 11.90% | -17 bps | |
| Net Worth / Assets | 12.07% | 12.11% | 12.21% | 11.97% | 11.90% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |