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 | |