Appleton, WI · Charter 66652
NCUA · 7 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 | 0.07% | 0.15% | 0.57% | 0.47% | 0.47% | 0.46% | 0.22% | 0.31% | -16 bps | |
| Return on Equity | 0.78% | 1.71% | 6.44% | 5.25% | 5.22% | 5.06% | 2.44% | 3.45% | -180 bps | |
| Net Interest Margin | 3.23% | 3.27% | 3.32% | 3.43% | 3.49% | 3.46% | 3.42% | 3.56% | +13 bps | |
| Efficiency Ratio | 93.54% | 91.15% | 84.01% | 85.01% | 84.13% | 84.15% | 91.62% | 89.74% | +473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -3.14% | -1.18% | -0.37% | 1.04% | 2.65% | 2.92% | 3.15% | +352 bps | |
| Loan Growth (YoY) | -2.37% | -3.59% | -3.67% | -1.63% | -1.52% | 0.73% | 2.54% | 0.79% | +242 bps | |
| Share Growth (YoY) | -2.35% | -1.19% | -0.61% | -0.04% | 0.70% | 1.88% | 2.01% | 2.45% | +248 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.28% | 0.20% | 0.35% | 0.24% | 0.31% | 0.25% | 0.22% | -12 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 | 8.79% | 8.86% | 8.93% | 9.04% | 9.10% | 9.04% | 8.99% | 9.09% | +6 bps | |
| Net Worth / Assets | 8.79% | 8.86% | 8.93% | 9.04% | 9.10% | 9.04% | 8.99% | 9.09% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.88% | 97.24% | 94.48% | 97.77% | 97.68% | 96.14% | 94.97% | 96.19% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |