Racine, WI · Charter 66622
NCUA · 1 branch
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
49
Asset Quality
45
Profitability
67
Liquidity
92
Efficiency
76
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.
Racine, WI · Charter 66622
NCUA · 1 branch
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 | 0.62% | 0.75% | 0.99% | 1.29% | 1.34% | 1.36% | 0.91% | 1.21% | -8 bps | |
| Return on Equity | 4.90% | 5.77% | 8.45% | 10.35% | 10.58% | 10.47% | 7.28% | 9.41% | -95 bps | |
| Net Interest Margin | 3.36% | 3.56% | 3.47% | 3.72% | 3.75% | 3.81% | 3.63% | 3.69% | -3 bps | |
| Efficiency Ratio | 70.29% | 70.96% | 68.59% | 67.80% | 65.67% | 66.20% | 70.00% | 68.61% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | 3.49% | 13.23% | 9.56% | 9.46% | 10.93% | 2.48% | 6.11% | -345 bps | |
| Loan Growth (YoY) | -5.39% | -5.05% | -6.40% | -6.00% | -2.11% | 0.36% | 2.42% | -1.09% | +491 bps | |
| Share Growth (YoY) | -0.62% | 3.19% | 14.75% | 9.45% | 8.74% | 10.86% | 0.36% | 4.77% | -468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.53% | 0.46% | 0.66% | 0.70% | 1.00% | 0.90% | 0.75% | +9 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 | 12.64% | 13.05% | 11.68% | 12.42% | 12.66% | 12.99% | 12.54% | 12.86% | +44 bps | |
| Net Worth / Assets | 12.64% | 13.05% | 11.68% | 12.42% | 12.66% | 12.99% | 12.54% | 12.86% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.29% | 81.60% | 68.47% | 70.92% | 73.17% | 73.88% | 69.87% | 66.96% | -397 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Racine, WI · Charter 66622 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 393 of 1,683
Net Interest Margin
3.69%
Rank 955 of 1,683
Efficiency Ratio
68.60%
Rank 412 of 1,682
Equity / Assets
12.86%
Rank 851 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.35% | 0.74% | 1.18% | Beats 77% | 393 / 1,683 | ||
| Return on Equity | 9.42% | 2.67% | 5.89% | 8.74% | Beats 80% | 338 / 1,681 | ||
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 955 / 1,683 | ||
| Efficiency Ratio | 68.60% | 68.91% | 78.20% | 86.93% | Beats 76% | 412 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 922 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.86% | 10.44% | 12.89% | 16.53% | Beats 49% | 851 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.86% | 10.44% | 12.89% | 16.53% | Beats 49% | 851 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.96% | 52.61% | 69.38% | 83.50% | 45th pctl | 918 / 1,683 | ||
| Loans / Assets | 57.58% | 44.71% | 59.18% | 70.72% | 47th pctl | 900 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||