Superior, WI · Charter 66662
NCUA · 1 branch
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 | 1.27% | 0.60% | 1.30% | 0.68% | 0.96% | 0.62% | 1.36% | 0.82% | +14 bps | |
| Return on Equity | 7.91% | 3.79% | 8.04% | 4.41% | 5.95% | 3.77% | 8.51% | 4.99% | +58 bps | |
| Net Interest Margin | 4.43% | 4.43% | 4.62% | 3.88% | 4.25% | 4.14% | 4.91% | 4.22% | +34 bps | |
| Efficiency Ratio | 71.83% | 76.88% | 72.20% | 82.80% | 77.69% | 85.32% | 72.71% | 80.86% | -193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.88% | -9.80% | -6.52% | -0.98% | 1.90% | 1.37% | 5.21% | -2.83% | -185 bps | |
| Loan Growth (YoY) | 1.10% | -2.54% | -3.54% | -15.31% | -13.81% | -11.31% | -12.01% | -12.78% | +253 bps | |
| Share Growth (YoY) | -15.52% | -16.64% | -8.54% | -1.73% | 7.15% | 6.31% | 5.56% | -4.02% | -229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.79% | 0.56% | 2.74% | 2.03% | 0.23% | 0.35% | 0.00% | -274 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 | 0.87% | 1.21% | 1.27% | 1.32% | 0.94% | 0.97% | 1.01% | 1.06% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.09% | 15.95% | 16.18% | 15.35% | 16.16% | 16.35% | 16.00% | 16.47% | +111 bps | |
| Net Worth / Assets | 16.09% | 15.95% | 16.18% | 15.35% | 16.16% | 16.35% | 16.00% | 16.47% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.36% | 112.71% | 102.36% | 92.48% | 94.40% | 94.03% | 85.32% | 84.04% | -844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |