Sheboygan, WI · Charter 66663
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 | 0.85% | 0.79% | 1.49% | 1.21% | 1.25% | 0.41% | 0.33% | 0.69% | -52 bps | |
| Return on Equity | 4.27% | 4.62% | 8.49% | 6.54% | 6.69% | 2.13% | 1.71% | 3.55% | -300 bps | |
| Net Interest Margin | 2.58% | 2.34% | 2.70% | 2.74% | 2.73% | 2.03% | 2.66% | 2.67% | -6 bps | |
| Efficiency Ratio | 67.29% | 66.21% | 40.42% | 51.26% | 49.59% | 73.04% | 82.59% | 69.34% | +1,809 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.78% | 3.90% | 10.96% | 9.56% | 12.54% | -9.42% | -8.69% | -4.17% | -1,373 bps | |
| Loan Growth (YoY) | -12.57% | -3.49% | 5.09% | 2.93% | 6.74% | -10.41% | -14.08% | -3.92% | -685 bps | |
| Share Growth (YoY) | -15.83% | 3.87% | 12.42% | 10.55% | 14.14% | -11.81% | -10.64% | -5.25% | -1,580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.46% | 0.83% | 0.79% | 0.62% | 0.56% | 0.44% | 3.49% | +270 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 | 1.98% | 1.85% | 1.88% | 2.01% | 1.99% | 2.31% | 2.60% | 2.62% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.81% | 17.14% | 17.52% | 18.46% | 18.67% | 19.33% | 19.27% | 19.38% | +92 bps | |
| Net Worth / Assets | 19.81% | 17.14% | 17.52% | 18.46% | 18.67% | 19.33% | 19.27% | 19.38% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 123.61% | 111.99% | 112.36% | 112.77% | 115.59% | 113.77% | 108.03% | 114.35% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |