Wausau, WI · Charter 66538
NCUA · 15 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
5
Profitability
24
Liquidity
79
Efficiency
40
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.
Wausau, WI · Charter 66538
NCUA · 15 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 | -0.96% | -2.63% | -1.32% | -0.69% | -0.37% | -0.27% | 0.05% | 0.06% | +76 bps | |
| Return on Equity | -10.32% | -35.23% | -17.97% | -8.79% | -4.79% | -3.52% | 0.77% | 0.86% | +965 bps | |
| Net Interest Margin | 3.53% | 3.70% | 3.77% | 4.10% | 3.86% | 4.06% | 3.57% | 3.61% | -48 bps | |
| Efficiency Ratio | 66.16% | 74.30% | 84.89% | 78.63% | 76.04% | 75.46% | 76.18% | 74.37% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.53% | -18.29% | -18.82% | -18.91% | -9.35% | -9.33% | -1.29% | 6.01% | +2,491 bps | |
| Loan Growth (YoY) | -13.61% | -18.62% | -20.93% | -18.26% | -15.84% | -11.46% | -10.78% | -7.70% | +1,056 bps | |
| Share Growth (YoY) | -17.49% | -17.51% | -15.38% | -17.62% | -10.94% | -14.04% | -5.40% | 7.85% | +2,547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 2.52% | 1.83% | 1.81% | 2.10% | 2.15% | 1.89% | 1.89% | +8 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 | 9.33% | 7.45% | 7.32% | 7.90% | 7.67% | 7.55% | 7.16% | 7.20% | -69 bps | |
| Net Worth / Assets | 9.33% | 7.45% | 7.32% | 7.90% | 7.67% | 7.55% | 7.16% | 7.20% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.29% | 96.45% | 96.11% | 106.65% | 96.66% | 99.35% | 90.64% | 91.26% | -1,538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 95.67% | 0.00% | 0.00% | 97.76% | +9,776 bps | |
Wausau, WI · Charter 66538 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.06%
Rank 421 of 435
Net Interest Margin
3.61%
Rank 150 of 435
Efficiency Ratio
74.37%
Rank 263 of 435
Equity / Assets
7.20%
Rank 433 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.55% | 0.81% | 1.14% | Beats 3% | 421 / 435 | ||
| Return on Equity | 0.86% | 5.12% | 7.41% | 9.70% | Beats 4% | 418 / 435 | ||
| Net Interest Margin | 3.61% | 3.01% | 3.39% | 3.75% | Beats 66% | 150 / 435 | ||
| Efficiency Ratio | 74.37% | 65.25% | 71.39% | 77.86% | Beats 40% | 263 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.89% | 0.45% | 0.69% | 1.05% | Beats 5% | 415 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.20% | 9.81% | 10.84% | 12.63% | Beats 0% | 433 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.20% | 9.81% | 10.84% | 12.63% | Beats 0% | 433 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.26% | 78.33% | 88.38% | 95.61% | 60th pctl | 176 / 435 | ||
| Loans / Assets | 79.83% | 67.69% | 74.58% | 80.80% | 69th pctl | 135 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||