Sheboygan Falls, WI · Charter 66618
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.47% | -0.70% | -0.17% | 0.02% | 0.11% | 0.26% | 0.27% | +44 bps | |
| Return on Equity | 7.11% | 5.66% | -9.00% | -2.12% | 0.20% | 1.31% | 3.23% | 3.30% | +543 bps | |
| Net Interest Margin | 3.66% | 3.63% | 3.57% | 3.67% | 3.79% | 3.81% | 3.61% | 3.66% | -1 bps | |
| Efficiency Ratio | 85.03% | 87.61% | 115.89% | 103.82% | 98.39% | 95.91% | 90.31% | 88.53% | -1,530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | 8.58% | 5.33% | 0.80% | 2.81% | 0.06% | 0.18% | 2.33% | +153 bps | |
| Loan Growth (YoY) | 16.44% | 17.05% | 16.24% | 3.50% | 0.59% | 1.61% | -0.91% | 3.54% | +4 bps | |
| Share Growth (YoY) | 6.07% | 9.20% | 5.64% | 0.95% | 4.11% | -0.18% | -0.16% | 2.21% | +126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.19% | 0.29% | 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 | 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 | 8.46% | 8.23% | 7.77% | 7.98% | 8.25% | 8.32% | 8.09% | 8.10% | +12 bps | |
| Net Worth / Assets | 8.46% | 8.23% | 7.77% | 7.98% | 8.25% | 8.32% | 8.09% | 8.10% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.58% | 91.54% | 88.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |