Jefferson, WI · Charter 66565
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
89
Asset Quality
2
Profitability
24
Liquidity
0
Efficiency
3
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.
Jefferson, WI · Charter 66565
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 | 0.27% | 0.12% | -1.34% | 0.96% | 1.19% | -0.19% | -19.17% | -9.14% | -1,010 bps | |
| Return on Equity | 1.16% | 0.52% | -5.79% | 4.12% | 5.13% | -0.82% | -93.27% | -43.22% | -4,734 bps | |
| Net Interest Margin | 3.39% | 3.32% | 2.54% | 4.77% | 4.88% | 3.60% | 4.06% | 4.20% | -57 bps | |
| Efficiency Ratio | 101.95% | 103.60% | 142.39% | 77.77% | 75.62% | 104.77% | 104.93% | 115.48% | +3,771 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.76% | 0.60% | -1.13% | -0.88% | -0.86% | -2.50% | -8.24% | -9.41% | -853 bps | |
| Loan Growth (YoY) | -14.21% | -15.48% | -4.50% | 4.57% | -2.34% | -2.41% | -6.49% | -12.56% | -1,713 bps | |
| Share Growth (YoY) | -4.83% | -0.19% | -2.01% | -1.22% | -0.57% | -2.66% | -5.02% | -6.98% | -577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.74% | 10.47% | 10.08% | 7.47% | 7.44% | 6.26% | 4.40% | 6.11% | -136 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 | 23.20% | 23.02% | 23.12% | 23.27% | 23.13% | 23.42% | 20.56% | 21.16% | -211 bps | |
| Net Worth / Assets | 23.20% | 23.02% | 23.12% | 23.27% | 23.13% | 23.42% | 20.56% | 21.16% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.21% | 92.00% | 97.31% | 105.71% | 95.48% | 92.24% | 95.80% | 99.38% | -634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson, WI · Charter 66565 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-9.16%
Rank 1,678 of 1,683
Net Interest Margin
4.25%
Rank 469 of 1,683
Efficiency Ratio
115.79%
Rank 1,630 of 1,682
Equity / Assets
21.17%
Rank 181 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -9.16% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,678 / 1,683 | ||
| Return on Equity | -43.27% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,671 / 1,681 | ||
| Net Interest Margin | 4.25% | 3.31% | 3.82% | 4.32% | Beats 72% | 469 / 1,683 | ||
| Efficiency Ratio | 115.79% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,630 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.08% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,647 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.17% | 10.44% | 12.89% | 16.53% | Beats 89% | 181 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.17% | 10.44% | 12.89% | 16.53% | Beats 89% | 181 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.35% | 52.61% | 69.38% | 83.50% | 96th pctl | 63 / 1,683 | ||
| Loans / Assets | 77.21% | 44.71% | 59.18% | 70.72% | 87th pctl | 213 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||