PackageTrendsPeer
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First Choice

Marshfield, WI · Charter 66545

NCUA · 1 branch

Q2 2026

$51.0MAssets
$30.7MLoans
$42.2MShares
$8.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.66%, down 80 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.65% of loans (-24 bps YoY).
  • Capital: net worth / assets of 16.34%, up 75 bps from a year ago.
  • Funding: loans stand at 72.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%-80 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+3 bps YoY

Efficiency Ratio (YTD, annualized)

57.17%+752 bps YoY

Net Worth / Assets

16.34%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.46%2.31%2.20%1.31%1.66%-80 bps
Return on Equity15.76%14.51%13.54%8.13%10.17%-560 bps
Net Interest Margin4.10%4.15%4.16%4.08%4.13%+3 bps
Efficiency Ratio49.65%51.17%52.57%61.61%57.17%+752 bps
Growth
Asset Growth (YoY)6.19%7.43%7.59%8.93%7.04%+85 bps
Loan Growth (YoY)22.20%17.27%17.90%17.38%19.99%-221 bps
Share Growth (YoY)5.15%6.31%6.10%8.25%6.35%+121 bps
Asset Quality
Delinquent Loans / Loans0.89%0.43%0.55%0.73%0.65%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.59%15.93%16.23%16.11%16.34%+75 bps
Net Worth / Assets15.59%15.93%16.23%16.11%16.34%+75 bps
Liquidity & Funding
Loans / Shares64.50%65.80%69.87%68.85%72.77%+827 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps