Stoughton, WI · Charter 66613
NCUA · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.11% | -3.93% | 0.52% | 0.34% | -59.41% | -30.87% | -30.79% | -3,132 bps | |
| Return on Equity | -1.05% | -0.35% | -11.97% | 1.53% | 0.85% | -158.52% | -75.86% | -58.88% | -6,041 bps | |
| Net Interest Margin | 2.74% | 3.36% | 3.52% | 3.92% | 4.24% | -49.27% | -25.36% | -21.41% | -2,533 bps | |
| Efficiency Ratio | 111.20% | 103.33% | 94.88% | 86.63% | 92.08% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.46% | -22.53% | -10.83% | -9.33% | -20.41% | -35.99% | -40.81% | -54.37% | -4,504 bps | |
| Loan Growth (YoY) | -24.98% | -29.34% | -24.44% | -26.12% | -21.72% | -32.70% | -38.35% | -38.48% | -1,235 bps | |
| Share Growth (YoY) | -26.79% | -30.32% | -17.26% | -16.26% | -32.06% | -41.26% | -48.03% | -67.28% | -5,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.30% | 0.26% | 0.00% | 0.00% | 0.00% | -30 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 | 1.73% | 1.90% | 2.45% | 3.23% | 3.58% | 4.82% | 1.44% | 1.62% | -161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.15% | 32.34% | 32.82% | 34.28% | 39.41% | 37.47% | 40.70% | 52.30% | +1,802 bps | |
| Net Worth / Assets | 29.15% | 32.34% | 32.82% | 34.28% | 39.41% | 37.47% | 40.70% | 52.30% | +1,802 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.19% | 38.78% | 36.97% | 34.83% | 45.15% | 44.43% | 43.85% | 65.51% | +3,067 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |