Oshkosh, WI · Charter 66683
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 | 1.80% | 1.66% | 1.12% | 1.47% | 1.68% | 1.62% | 1.70% | 1.98% | +51 bps | |
| Return on Equity | 13.32% | 12.23% | 8.30% | 10.40% | 11.46% | 10.90% | 11.85% | 13.33% | +293 bps | |
| Net Interest Margin | 4.36% | 4.33% | 4.22% | 4.39% | 4.49% | 4.50% | 4.25% | 4.33% | -6 bps | |
| Efficiency Ratio | 56.17% | 60.72% | 68.90% | 66.94% | 64.62% | 65.98% | 64.67% | 63.71% | -323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 1.72% | 1.94% | 2.82% | 2.37% | 1.53% | 6.03% | 7.49% | +467 bps | |
| Loan Growth (YoY) | 0.88% | 3.33% | 3.45% | 7.44% | 11.38% | 10.57% | 12.27% | 4.91% | -253 bps | |
| Share Growth (YoY) | 1.78% | 0.54% | 0.95% | 1.91% | 0.83% | -0.06% | 4.88% | 6.36% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.01% | 2.62% | 2.36% | 1.24% | 0.63% | 0.92% | 0.75% | 0.62% | -62 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 | 13.48% | 13.54% | 13.54% | 14.11% | 14.64% | 14.84% | 14.34% | 14.84% | +73 bps | |
| Net Worth / Assets | 13.48% | 13.54% | 13.54% | 14.11% | 14.64% | 14.84% | 14.34% | 14.84% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.93% | 87.54% | 85.24% | 92.36% | 96.02% | 96.85% | 91.24% | 91.11% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |