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 | |