Marinette, WI · Charter 66549
NCUA · 1 branch
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
83
Asset Quality
75
Profitability
65
Liquidity
38
Efficiency
67
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.
Marinette, WI · Charter 66549
NCUA · 1 branch
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 | 1.90% | 2.02% | 1.99% | 1.98% | 1.08% | 1.50% | 0.72% | 1.27% | -71 bps | |
| Return on Equity | 10.81% | 10.96% | 10.80% | 10.75% | 5.96% | 7.97% | 3.97% | 6.80% | -395 bps | |
| Net Interest Margin | 4.03% | 4.17% | 4.21% | 4.18% | 4.23% | 4.22% | 3.94% | 3.99% | -19 bps | |
| Efficiency Ratio | 57.56% | 56.24% | 54.64% | 56.10% | 74.89% | 67.56% | 85.39% | 72.46% | +1,636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.56% | 2.50% | 1.89% | 4.12% | 4.30% | 6.61% | 8.34% | 4.94% | +82 bps | |
| Loan Growth (YoY) | -6.01% | -5.83% | -5.43% | -3.93% | -2.22% | 1.98% | 1.77% | 2.58% | +651 bps | |
| Share Growth (YoY) | -0.74% | 1.12% | 0.03% | 2.53% | 2.79% | 6.44% | 8.62% | 4.85% | +232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.40% | 0.31% | 0.26% | 0.38% | 0.22% | 0.13% | 0.27% | 0 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 | 17.57% | 18.43% | 18.42% | 18.39% | 18.19% | 18.78% | 18.14% | 18.64% | +25 bps | |
| Net Worth / Assets | 17.57% | 18.43% | 18.42% | 18.39% | 18.19% | 18.78% | 18.14% | 18.64% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.09% | 55.00% | 51.84% | 51.47% | 52.40% | 52.70% | 48.57% | 50.35% | -111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marinette, WI · Charter 66549 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.27%
Rank 363 of 1,683
Net Interest Margin
3.99%
Rank 682 of 1,683
Efficiency Ratio
72.43%
Rank 562 of 1,682
Equity / Assets
18.65%
Rank 292 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 363 / 1,683 | ||
| Return on Equity | 6.80% | 2.67% | 5.89% | 8.74% | Beats 59% | 692 / 1,681 | ||
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 59% | 682 / 1,683 | ||
| Efficiency Ratio | 72.43% | 68.91% | 78.20% | 86.93% | Beats 67% | 562 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 425 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.65% | 10.44% | 12.89% | 16.53% | Beats 83% | 292 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.65% | 10.44% | 12.89% | 16.53% | Beats 83% | 292 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.36% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,317 / 1,683 | ||
| Loans / Assets | 40.42% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,354 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||