Tomah, WI · Charter 66615
NCUA · 2 branches
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
45
Asset Quality
60
Profitability
62
Liquidity
56
Efficiency
86
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.
Tomah, WI · Charter 66615
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.73% | 1.70% | 1.23% | 1.36% | -34 bps | |
| Return on Equity | 14.25% | 14.09% | 13.88% | 10.00% | 10.96% | -329 bps | |
| Net Interest Margin | 3.31% | 3.34% | 3.27% | 3.02% | 3.03% | -28 bps | |
| Efficiency Ratio | 57.39% | 56.81% | 56.31% | 64.90% | 62.76% | +536 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.74% | 10.75% | 10.55% | 8.95% | 9.51% | -223 bps | |
| Loan Growth (YoY) | 6.09% | 5.64% | 5.63% | 2.37% | 2.27% | -382 bps | |
| Share Growth (YoY) | 12.04% | 10.02% | 10.11% | 7.90% | 8.08% | -395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.34% | 0.02% | 0.71% | 0.49% | +26 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.95% | 12.28% | 12.23% | 12.28% | 12.45% | +50 bps | |
| Net Worth / Assets | 11.95% | 12.28% | 12.23% | 12.28% | 12.45% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.92% | 59.70% | 57.20% | 55.54% | 55.76% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tomah, WI · Charter 66615 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.36%
Rank 308 of 1,683
Net Interest Margin
3.03%
Rank 1,433 of 1,683
Efficiency Ratio
62.75%
Rank 241 of 1,682
Equity / Assets
12.45%
Rank 920 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 82% | 308 / 1,683 | |
| Return on Equity | 10.97% | 2.67% | 5.89% | 8.74% | Beats 88% | 207 / 1,681 | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,433 / 1,683 | |
| Efficiency Ratio | 62.75% | 68.91% | 78.20% | 86.93% | Beats 86% | 241 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 669 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.45% | 10.44% | 12.89% | 16.53% | Beats 45% | 920 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.45% | 10.44% | 12.89% | 16.53% | Beats 45% | 920 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.76% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,197 / 1,683 | |
| Loans / Assets | 48.01% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,168 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||