Sheboygan, WI · Charter 66616
NCUA · 3 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
69
Asset Quality
84
Profitability
78
Liquidity
95
Efficiency
89
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.
Sheboygan, WI · Charter 66616
NCUA · 3 branches
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 | 1.91% | 1.87% | 2.02% | 2.14% | 2.20% | 2.18% | 1.85% | 1.90% | -23 bps | |
| Return on Equity | 13.90% | 13.29% | 14.53% | 14.86% | 14.76% | 14.20% | 12.16% | 12.48% | -237 bps | |
| Net Interest Margin | 3.82% | 3.86% | 3.81% | 3.91% | 3.96% | 3.99% | 3.82% | 3.78% | -12 bps | |
| Efficiency Ratio | 61.28% | 62.61% | 59.08% | 56.78% | 56.02% | 56.69% | 61.92% | 60.00% | +322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 3.01% | 6.07% | 5.66% | 6.58% | 6.47% | 5.46% | 8.07% | +241 bps | |
| Loan Growth (YoY) | 2.79% | 1.15% | -1.34% | 1.97% | 0.97% | 1.18% | 3.93% | 2.96% | +99 bps | |
| Share Growth (YoY) | 1.22% | 1.53% | 4.27% | 4.17% | 5.62% | 4.53% | 4.29% | 6.91% | +274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.40% | 0.01% | 0.21% | 0.42% | 0.42% | 0.33% | 0.13% | -8 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 | 13.75% | 14.08% | 13.91% | 14.39% | 14.91% | 15.35% | 15.22% | 15.26% | +87 bps | |
| Net Worth / Assets | 13.75% | 14.08% | 13.91% | 14.39% | 14.91% | 15.35% | 15.22% | 15.26% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.51% | 73.59% | 69.34% | 70.51% | 71.24% | 71.23% | 69.10% | 67.90% | -260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sheboygan, WI · Charter 66616 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.91%
Rank 93 of 1,683
Net Interest Margin
3.79%
Rank 872 of 1,683
Efficiency Ratio
59.99%
Rank 187 of 1,682
Equity / Assets
15.26%
Rank 529 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.91% | 0.35% | 0.74% | 1.18% | Beats 94% | 93 / 1,683 | ||
| Return on Equity | 12.49% | 2.67% | 5.89% | 8.74% | Beats 93% | 113 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 48% | 872 / 1,683 | ||
| Efficiency Ratio | 59.99% | 68.91% | 78.20% | 86.93% | Beats 89% | 187 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 275 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 529 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 529 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.90% | 52.61% | 69.38% | 83.50% | 48th pctl | 883 / 1,683 | ||
| Loans / Assets | 56.79% | 44.71% | 59.18% | 70.72% | 45th pctl | 925 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||