Oak Creek, WI · Charter 66638
NCUA · 6 branches
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 in the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
60
Profitability
33
Liquidity
38
Efficiency
27
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.
Oak Creek, WI · Charter 66638
NCUA · 6 branches
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 | 0.51% | 0.53% | 0.75% | 0.69% | 0.66% | 0.56% | 0.48% | 0.50% | -19 bps | |
| Return on Equity | 5.17% | 5.17% | 7.33% | 6.65% | 6.16% | 5.17% | 4.48% | 4.90% | -175 bps | |
| Net Interest Margin | 3.67% | 3.84% | 3.73% | 3.79% | 3.88% | 3.98% | 3.86% | 3.90% | +11 bps | |
| Efficiency Ratio | 81.14% | 81.23% | 77.58% | 79.35% | 80.63% | 82.72% | 86.18% | 87.18% | +783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | -1.75% | -1.73% | -2.30% | -1.24% | 0.25% | -0.57% | 0.84% | +314 bps | |
| Loan Growth (YoY) | -4.71% | -4.09% | -4.91% | -6.77% | -6.35% | -5.63% | -7.46% | -7.53% | -75 bps | |
| Share Growth (YoY) | -1.67% | -2.51% | -2.26% | -2.90% | -2.03% | -0.24% | -0.87% | 0.47% | +336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.41% | 0.44% | 0.43% | 0.37% | 0.51% | 0.43% | 0.42% | -1 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 | 9.95% | 10.31% | 10.22% | 10.42% | 10.64% | 10.78% | 10.70% | 10.24% | -18 bps | |
| Net Worth / Assets | 9.95% | 10.31% | 10.22% | 10.42% | 10.64% | 10.78% | 10.70% | 10.24% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.86% | 70.10% | 66.26% | 66.03% | 65.83% | 66.31% | 61.86% | 60.78% | -526 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.10% | 0.00% | 0 bps | |
Oak Creek, WI · Charter 66638 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 6 branches
Q2 2026
Return on Assets
0.50%
Rank 12 of 15
Net Interest Margin
3.90%
Rank 10 of 15
Efficiency Ratio
87.17%
Rank 12 of 15
Equity / Assets
10.24%
Rank 13 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.50% | 0.76% | 1.34% | Beats 20% | 12 / 15 | ||
| Return on Equity | 4.90% | 2.37% | 4.90% | 7.95% | Beats 47% | 8 / 15 | ||
| Net Interest Margin | 3.90% | 3.53% | 4.50% | 4.86% | Beats 33% | 10 / 15 | ||
| Efficiency Ratio | 87.17% | 69.88% | 80.52% | 87.17% | Beats 27% | 12 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.06% | 0.45% | 1.49% | Beats 60% | 7 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.24% | 10.98% | 17.30% | 27.61% | Beats 13% | 13 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.24% | 10.98% | 17.30% | 27.61% | Beats 13% | 13 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.78% | 50.66% | 78.47% | 90.72% | 27th pctl | 11 / 15 | ||
| Loans / Assets | 53.56% | 44.38% | 58.78% | 71.82% | 40th pctl | 9 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||