Tomah, WI · Charter 66615
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.69% | 1.53% | 1.70% | 1.73% | 1.70% | 1.23% | 1.36% | -34 bps | |
| Return on Equity | 14.61% | 14.48% | 13.14% | 14.25% | 14.09% | 13.88% | 10.00% | 10.96% | -329 bps | |
| Net Interest Margin | 3.45% | 3.38% | 3.22% | 3.31% | 3.34% | 3.27% | 3.02% | 3.03% | -28 bps | |
| Efficiency Ratio | 57.18% | 55.69% | 60.82% | 57.39% | 56.81% | 56.31% | 64.90% | 62.76% | +536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.77% | 11.13% | 12.11% | 11.74% | 10.75% | 10.55% | 8.95% | 9.51% | -223 bps | |
| Loan Growth (YoY) | 8.39% | 4.42% | 6.40% | 6.09% | 5.64% | 5.63% | 2.37% | 2.27% | -382 bps | |
| Share Growth (YoY) | 5.66% | 10.16% | 11.87% | 12.04% | 10.02% | 10.11% | 7.90% | 8.08% | -395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.22% | 0.22% | 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 | 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 | 11.68% | 11.64% | 11.61% | 11.95% | 12.28% | 12.23% | 12.28% | 12.45% | +50 bps | |
| Net Worth / Assets | 11.68% | 11.64% | 11.61% | 11.95% | 12.28% | 12.23% | 12.28% | 12.45% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.17% | 59.62% | 58.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |