Waukesha, WI · Charter 66660
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.70% | -0.56% | -0.78% | -0.79% | -1.36% | -1.68% | -2.24% | -146 bps | |
| Return on Equity | 0.04% | -1.73% | -1.37% | -1.76% | -1.94% | -3.28% | -4.06% | -5.51% | -374 bps | |
| Net Interest Margin | 3.88% | 3.82% | 3.88% | 4.06% | 3.11% | 2.68% | 2.65% | 2.22% | -184 bps | |
| Efficiency Ratio | 99.65% | 118.22% | 114.50% | 119.12% | 125.38% | 150.88% | 163.13% | 201% | +8,183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | -18.96% | -7.00% | -14.02% | -9.39% | -5.62% | -4.09% | 2.53% | +1,655 bps | |
| Loan Growth (YoY) | -14.71% | -15.84% | -11.37% | -29.04% | -36.36% | -14.50% | -29.35% | -23.73% | +532 bps | |
| Share Growth (YoY) | 6.59% | -24.17% | -7.44% | -22.06% | -14.03% | -8.05% | -4.67% | 7.54% | +2,960 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 3.55% | 4.92% | 8.49% | 10.06% | 18.20% | 18.77% | 69.11% | +6,062 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 | 0.75% | 0.86% | 0.84% | -4.80% | -5.69% | -4.84% | -5.77% | -6.29% | -149 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.60% | 40.30% | 41.08% | 44.00% | 40.57% | 41.64% | 41.26% | 40.67% | -332 bps | |
| Net Worth / Assets | 37.60% | 40.30% | 41.08% | 44.00% | 40.57% | 41.64% | 41.26% | 40.67% | -332 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.17% | 48.75% | 51.38% | 49.37% | 36.40% | 45.33% | 38.08% | 35.02% | -1,435 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |