Madison, WI · Charter 66677
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
82
Profitability
59
Liquidity
94
Efficiency
70
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.
Madison, WI · Charter 66677
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 | 0.81% | 0.91% | 1.04% | 1.10% | 1.08% | 1.06% | 0.70% | 0.90% | -20 bps | |
| Return on Equity | 6.85% | 7.79% | 8.91% | 9.42% | 9.11% | 8.97% | 5.94% | 7.71% | -171 bps | |
| Net Interest Margin | 3.45% | 3.43% | 3.71% | 3.82% | 3.92% | 3.88% | 3.88% | 3.82% | 0 bps | |
| Efficiency Ratio | 73.37% | 71.58% | 73.10% | 69.10% | 69.39% | 67.17% | 77.89% | 71.36% | +226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 0.83% | 5.35% | 10.12% | 9.20% | 8.03% | 7.61% | 8.12% | -200 bps | |
| Loan Growth (YoY) | 9.52% | 11.47% | 13.61% | 10.05% | 10.65% | 10.69% | 4.96% | 9.38% | -67 bps | |
| Share Growth (YoY) | 4.14% | -0.13% | 6.64% | 10.23% | 9.71% | 7.60% | 7.27% | 7.08% | -315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.79% | 0.57% | 0.43% | 0.31% | 0.83% | 0.30% | 0.15% | -28 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 | 11.76% | 11.63% | 11.66% | 11.69% | 11.85% | 11.79% | 11.77% | 11.73% | +4 bps | |
| Net Worth / Assets | 11.76% | 11.63% | 11.66% | 11.69% | 11.85% | 11.79% | 11.77% | 11.73% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.60% | 66.23% | 68.90% | 66.13% | 67.17% | 68.13% | 67.42% | 67.55% | +141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, WI · Charter 66677 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.91%
Rank 676 of 1,683
Net Interest Margin
3.82%
Rank 838 of 1,683
Efficiency Ratio
71.37%
Rank 512 of 1,682
Equity / Assets
11.73%
Rank 1,035 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 676 / 1,683 | ||
| Return on Equity | 7.72% | 2.67% | 5.89% | 8.74% | Beats 67% | 550 / 1,681 | ||
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 838 / 1,683 | ||
| Efficiency Ratio | 71.37% | 68.91% | 78.20% | 86.93% | Beats 70% | 512 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 82% | 298 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,035 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.73% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,035 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.55% | 52.61% | 69.38% | 83.50% | 46th pctl | 902 / 1,683 | ||
| Loans / Assets | 58.73% | 44.71% | 59.18% | 70.72% | 49th pctl | 860 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||