Appleton, WI · Charter 66642
NCUA · 29 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 | 1.13% | 1.10% | 1.14% | 1.21% | 1.28% | 1.28% | 1.40% | 1.49% | +28 bps | |
| Return on Equity | 9.17% | 8.86% | 9.17% | 9.61% | 9.96% | 9.85% | 10.99% | 11.57% | +197 bps | |
| Net Interest Margin | 1.94% | 1.93% | 1.99% | 2.08% | 2.17% | 2.21% | 2.33% | 2.35% | +27 bps | |
| Efficiency Ratio | 55.33% | 56.26% | 54.62% | 52.92% | 51.73% | 52.46% | 49.06% | 47.19% | -572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 8.67% | 7.70% | 7.75% | 5.49% | 5.61% | 8.26% | 9.75% | +201 bps | |
| Loan Growth (YoY) | 8.19% | 7.38% | 9.82% | 11.71% | 13.89% | 13.45% | 12.39% | 12.84% | +114 bps | |
| Share Growth (YoY) | 8.66% | 8.69% | 7.39% | 7.43% | 4.71% | 4.71% | 7.83% | 9.46% | +203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.12% | 0.12% | 0.13% | 0.14% | 0.15% | 0.15% | 0.14% | +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 | 12.33% | 12.40% | 12.44% | 12.58% | 12.87% | 13.00% | 12.78% | 12.85% | +26 bps | |
| Net Worth / Assets | 12.33% | 12.40% | 12.44% | 12.58% | 12.87% | 13.00% | 12.78% | 12.85% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.62% | 80.35% | 81.95% | 83.85% | 86.60% | 87.06% | 85.41% | 86.44% | +259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |