PackageTrendsPeer
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Meadowland

Sheboygan Falls, WI · Charter 66618

NCUA · 2 branches

Q2 2026

$35.9MAssets
$29.8MLoans
$32.9MShares
$2.9MNet 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 0.27%, up 44 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.80% of loans (+37 bps YoY).
  • Capital: net worth / assets of 8.10%, up 12 bps from a year ago.
  • Funding: loans stand at 90.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.27%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.66%-1 bps YoY

Efficiency Ratio (quarter, annualized)

88.53%-1,530 bps YoY

Net Worth / Assets

8.10%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.67%3.79%3.81%3.61%3.66%-1 bps
Efficiency Ratio103.82%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 / Loans0.42%0.76%0.85%0.77%0.80%+37 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 Capital7.98%8.25%8.32%8.09%8.10%+12 bps
Net Worth / Assets7.98%8.25%8.32%8.09%8.10%+12 bps
Liquidity & Funding
Loans / Shares89.25%91.39%93.19%87.99%90.41%+116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps