PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Prospera

Appleton, WI · Charter 66652

NCUA · 7 branches

Q2 2026

$378.9MAssets
$310.1MLoans
$322.4MShares
$34.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.31%, down 16 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.22% of loans (-12 bps YoY).
  • Capital: net worth / assets of 9.09%, up 6 bps from a year ago.
  • Funding: loans stand at 96.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+13 bps YoY

Efficiency Ratio (YTD, annualized)

89.74%+473 bps YoY

Net Worth / Assets

9.09%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.47%0.46%0.22%0.31%-16 bps
Return on Equity5.25%5.22%5.06%2.44%3.45%-180 bps
Net Interest Margin3.43%3.49%3.46%3.42%3.56%+13 bps
Efficiency Ratio85.01%84.13%84.15%91.62%89.74%+473 bps
Growth
Asset Growth (YoY)-0.37%1.04%2.65%2.92%3.15%+352 bps
Loan Growth (YoY)-1.63%-1.52%0.73%2.54%0.79%+242 bps
Share Growth (YoY)-0.04%0.70%1.88%2.01%2.45%+248 bps
Asset Quality
Delinquent Loans / Loans0.35%0.24%0.31%0.25%0.22%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.04%9.10%9.04%8.99%9.09%+6 bps
Net Worth / Assets9.04%9.10%9.04%8.99%9.09%+6 bps
Liquidity & Funding
Loans / Shares97.77%97.68%96.14%94.97%96.19%-158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps