Madison, WI · Charter 66710
NCUA · 13 branches
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
38
Asset Quality
65
Profitability
49
Liquidity
55
Efficiency
48
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 66710
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.92% | 0.96% | 0.69% | 0.84% | -1 bps | |
| Return on Equity | 7.42% | 7.90% | 8.12% | 5.98% | 7.16% | -25 bps | |
| Net Interest Margin | 3.45% | 3.53% | 3.52% | 3.40% | 3.40% | -5 bps | |
| Efficiency Ratio | 76.28% | 75.32% | 74.39% | 82.55% | 78.89% | +261 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.37% | 3.66% | 3.54% | 5.02% | 5.59% | +322 bps | |
| Loan Growth (YoY) | -1.99% | -0.12% | 0.13% | 0.06% | 3.47% | +545 bps | |
| Share Growth (YoY) | 2.21% | 2.84% | 2.75% | 4.40% | 5.14% | +294 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.39% | 0.47% | 0.28% | 0.42% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.67% | 11.82% | 11.62% | 11.69% | +31 bps | |
| Net Worth / Assets | 11.38% | 11.67% | 11.82% | 11.62% | 11.69% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.83% | 82.20% | 80.87% | 78.05% | 79.53% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, WI · Charter 66710 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
0.84%
Rank 749 of 1,683
Net Interest Margin
3.40%
Rank 1,197 of 1,683
Efficiency Ratio
78.89%
Rank 875 of 1,682
Equity / Assets
11.69%
Rank 1,044 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 55% | 749 / 1,683 | |
| Return on Equity | 7.16% | 2.67% | 5.89% | 8.74% | Beats 63% | 628 / 1,681 | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,197 / 1,683 | |
| Efficiency Ratio | 78.89% | 68.91% | 78.20% | 86.93% | Beats 48% | 875 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 65% | 597 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,044 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,044 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.53% | 52.61% | 69.38% | 83.50% | 68th pctl | 532 / 1,683 | |
| Loans / Assets | 69.40% | 44.71% | 59.18% | 70.72% | 72nd pctl | 467 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||