PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sheboygan Area

Sheboygan, WI · Charter 66616

NCUA · 3 branches

Q2 2026

$93.4MAssets
$53.1MLoans
$78.1MShares
$14.3MNet 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 1.90%, down 23 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY).
  • Capital: net worth / assets of 15.26%, up 87 bps from a year ago.
  • Funding: loans stand at 67.90% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.90%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-12 bps YoY

Efficiency Ratio (quarter, annualized)

60.00%+322 bps YoY

Net Worth / Assets

15.26%+87 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%2.20%2.18%1.85%1.90%-23 bps
Return on Equity14.86%14.76%14.20%12.16%12.48%-237 bps
Net Interest Margin3.91%3.96%3.99%3.82%3.78%-12 bps
Efficiency Ratio56.78%56.02%56.69%61.92%60.00%+322 bps
Growth
Asset Growth (YoY)5.66%6.58%6.47%5.46%8.07%+241 bps
Loan Growth (YoY)1.97%0.97%1.18%3.93%2.96%+99 bps
Share Growth (YoY)4.17%5.62%4.53%4.29%6.91%+274 bps
Asset Quality
Delinquent Loans / Loans0.21%0.42%0.42%0.33%0.13%-8 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 Capital14.39%14.91%15.35%15.22%15.26%+87 bps
Net Worth / Assets14.39%14.91%15.35%15.22%15.26%+87 bps
Liquidity & Funding
Loans / Shares70.51%71.24%71.23%69.10%67.90%-260 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps