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 | |