PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stoppenbach

Jefferson, WI · Charter 66565

NCUA · 1 branch

Q2 2026

$1.8MAssets
$1.4MLoans
$1.4MShares
$379KNet 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 -9.14%, down 1,010 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 6.11% of loans (-136 bps YoY).
  • Capital: net worth / assets of 21.16%, down 211 bps from a year ago.
  • Funding: loans stand at 99.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-9.14%-1,010 bps YoY

Net Interest Margin (YTD, annualized)

4.20%-57 bps YoY

Efficiency Ratio (YTD, annualized)

115.48%+3,771 bps YoY

Net Worth / Assets

21.16%-211 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.19%-0.19%-19.17%-9.14%-1,010 bps
Return on Equity4.12%5.13%-0.82%-93.27%-43.22%-4,734 bps
Net Interest Margin4.77%4.88%3.60%4.06%4.20%-57 bps
Efficiency Ratio77.77%75.62%104.77%104.93%115.48%+3,771 bps
Growth
Asset Growth (YoY)-0.88%-0.86%-2.50%-8.24%-9.41%-853 bps
Loan Growth (YoY)4.57%-2.34%-2.41%-6.49%-12.56%-1,713 bps
Share Growth (YoY)-1.22%-0.57%-2.66%-5.02%-6.98%-577 bps
Asset Quality
Delinquent Loans / Loans7.47%7.44%6.26%4.40%6.11%-136 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 Capital23.27%23.13%23.42%20.56%21.16%-211 bps
Net Worth / Assets23.27%23.13%23.42%20.56%21.16%-211 bps
Liquidity & Funding
Loans / Shares105.71%95.48%92.24%95.80%99.38%-634 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps