PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tomah Area

Tomah, WI · Charter 66615

NCUA · 2 branches

Q2 2026

$125.9MAssets
$60.4MLoans
$108.4MShares
$15.7MNet 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 1.36%, down 34 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.49% of loans (+26 bps YoY).
  • Capital: net worth / assets of 12.45%, up 50 bps from a year ago.
  • Funding: loans stand at 55.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-28 bps YoY

Efficiency Ratio (YTD, annualized)

62.76%+536 bps YoY

Net Worth / Assets

12.45%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.73%1.70%1.23%1.36%-34 bps
Return on Equity14.25%14.09%13.88%10.00%10.96%-329 bps
Net Interest Margin3.31%3.34%3.27%3.02%3.03%-28 bps
Efficiency Ratio57.39%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 / Loans0.23%0.34%0.02%0.71%0.49%+26 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 Capital11.95%12.28%12.23%12.28%12.45%+50 bps
Net Worth / Assets11.95%12.28%12.23%12.28%12.45%+50 bps
Liquidity & Funding
Loans / Shares58.92%59.70%57.20%55.54%55.76%-317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps