PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members' Advantage

Wisconsin Rapid, WI · Charter 66633

NCUA · 2 branches

Q2 2026

$185.2MAssets
$123.6MLoans
$147.0MShares
$35.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.82%, up 38 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.21% of loans (+6 bps YoY).
  • Capital: net worth / assets of 19.23%, up 176 bps from a year ago.
  • Funding: loans stand at 84.13% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.82%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

60.55%-428 bps YoY

Net Worth / Assets

19.23%+176 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.25%1.33%1.44%1.59%1.66%1.69%1.82%+38 bps
Return on Equity6.81%7.35%7.70%8.26%8.70%9.00%8.92%9.49%+123 bps
Net Interest Margin3.08%3.11%3.49%3.58%3.75%3.77%3.92%3.97%+39 bps
Efficiency Ratio69.27%67.38%65.46%64.83%63.62%63.03%62.15%60.55%-428 bps
Growth
Asset Growth (YoY)-3.00%0.08%1.71%2.60%2.79%0.90%0.46%0.51%-209 bps
Loan Growth (YoY)4.16%2.77%1.02%-1.93%-0.71%-0.76%-0.85%3.12%+505 bps
Share Growth (YoY)2.34%4.23%3.33%3.09%1.37%-1.50%-1.82%-2.02%-511 bps
Asset Quality
Delinquent Loans / Loans0.34%0.36%0.21%0.15%0.13%0.17%0.14%0.21%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.13%16.96%17.23%17.48%18.26%18.47%18.91%19.23%+176 bps
Net Worth / Assets17.13%16.96%17.23%17.48%18.26%18.47%18.91%19.23%+176 bps
Liquidity & Funding
Loans / Shares84.92%81.43%81.36%79.93%83.18%82.04%82.16%84.13%+420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps