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 | |