Sheboygan Falls, WI · Charter 66618
NCUA · 2 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
4
Asset Quality
43
Profitability
31
Liquidity
7
Efficiency
21
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 Falls, WI · Charter 66618
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | 0.02% | 0.11% | 0.26% | 0.27% | +44 bps | |
| Return on Equity | -2.12% | 0.20% | 1.31% | 3.23% | 3.30% | +543 bps | |
| Net Interest Margin | 3.67% | 3.79% | 3.81% | 3.61% | 3.66% | -1 bps | |
| Efficiency Ratio | 103.82% | 98.39% | 95.91% | 90.31% | 88.53% | -1,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | 2.81% | 0.06% | 0.18% | 2.33% | +153 bps | |
| Loan Growth (YoY) | 3.50% | 0.59% | 1.61% | -0.91% | 3.54% | +4 bps | |
| Share Growth (YoY) | 0.95% | 4.11% | -0.18% | -0.16% | 2.21% | +126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.76% | 0.85% | 0.77% | 0.80% | +37 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.98% | 8.25% | 8.32% | 8.09% | 8.10% | +12 bps | |
| Net Worth / Assets | 7.98% | 8.25% | 8.32% | 8.09% | 8.10% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.25% | 91.39% | 93.19% | 87.99% | 90.41% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sheboygan Falls, WI · Charter 66618 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.27%
Rank 1,338 of 1,683
Net Interest Margin
3.66%
Rank 982 of 1,683
Efficiency Ratio
88.50%
Rank 1,326 of 1,682
Equity / Assets
8.10%
Rank 1,613 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,338 / 1,683 | |
| Return on Equity | 3.30% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,174 / 1,681 | |
| Net Interest Margin | 3.66% | 3.31% | 3.82% | 4.32% | Beats 42% | 982 / 1,683 | |
| Efficiency Ratio | 88.50% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,326 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.80% | 0.26% | 0.65% | 1.29% | Beats 43% | 957 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.10% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,613 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.10% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,613 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.41% | 52.61% | 69.38% | 83.50% | 87th pctl | 227 / 1,683 | |
| Loans / Assets | 82.97% | 44.71% | 59.18% | 70.72% | 95th pctl | 81 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||