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 | |