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 | |