La Crosse, WI · Charter 66665
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
100
Profitability
0
Liquidity
25
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
La Crosse, WI · Charter 66665
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.88% | 1.90% | 1.59% | 1.93% | 2.00% | 2.08% | -24.40% | -2,599 bps | |
| Return on Equity | 8.48% | 9.04% | 8.83% | 7.44% | 8.79% | 9.01% | 9.07% | -148.19% | -15,563 bps | |
| Net Interest Margin | 3.78% | 3.94% | 4.04% | 3.94% | 4.08% | 4.11% | 4.19% | -21.79% | -2,573 bps | |
| Efficiency Ratio | 57.74% | 54.74% | 54.43% | 60.60% | 55.70% | 53.08% | 52.10% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | -2.05% | -1.13% | 1.37% | -0.03% | 3.34% | 3.27% | 2.38% | +101 bps | |
| Loan Growth (YoY) | -5.96% | -3.59% | -4.51% | -1.92% | -2.75% | -0.17% | -0.63% | 0.65% | +256 bps | |
| Share Growth (YoY) | -1.46% | -4.95% | -4.03% | -0.99% | -2.86% | 1.45% | 1.33% | 8.48% | +947 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | -23 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 | 19.88% | 20.81% | 21.48% | 21.40% | 21.93% | 22.16% | 22.88% | 16.47% | -494 bps | |
| Net Worth / Assets | 19.88% | 20.81% | 21.48% | 21.40% | 21.93% | 22.16% | 22.88% | 16.47% | -494 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.32% | 96.50% | 95.93% | 92.19% | 94.43% | 94.96% | 94.07% | 85.53% | -666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Crosse, WI · Charter 66665 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
Return on Assets
-24.40%
Rank 1,674 of 1,677
Net Interest Margin
-21.77%
Rank 1,676 of 1,676
Equity / Assets
16.47%
Rank 405 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -24.40% | 0.29% | 0.71% | 1.15% | Beats 0% | 1,674 / 1,677 | ||
| Return on Equity | -148.16% | 2.30% | 5.46% | 8.75% | Beats 0% | 1,669 / 1,674 | ||
| Net Interest Margin | -21.77% | 3.27% | 3.78% | 4.29% | Beats 0% | 1,676 / 1,676 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.23% | 0.59% | 1.15% | Beats 100% | 149 / 1,675 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.47% | 10.32% | 12.68% | 16.26% | Beats 76% | 406 / 1,677 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.47% | 10.32% | 12.68% | 16.26% | Beats 76% | 405 / 1,676 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.53% | 52.64% | 68.65% | 82.42% | 81st pctl | 321 / 1,676 | ||
| Loans / Assets | 70.97% | 44.39% | 58.63% | 70.08% | 76th pctl | 395 / 1,676 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||