Madison, WI · Charter 66710
NCUA · 13 branches
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 | 0.69% | 0.76% | 0.57% | 0.84% | 0.92% | 0.96% | 0.69% | 0.84% | -1 bps | |
| Return on Equity | 6.16% | 6.71% | 5.04% | 7.42% | 7.90% | 8.12% | 5.98% | 7.16% | -25 bps | |
| Net Interest Margin | 3.48% | 3.48% | 3.40% | 3.45% | 3.53% | 3.52% | 3.40% | 3.40% | -5 bps | |
| Efficiency Ratio | 79.52% | 77.79% | 81.66% | 76.28% | 75.32% | 74.39% | 82.55% | 78.89% | +261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | 0.62% | 1.86% | 2.37% | 3.66% | 3.54% | 5.02% | 5.59% | +322 bps | |
| Loan Growth (YoY) | -0.93% | -1.80% | -1.43% | -1.99% | -0.12% | 0.13% | 0.06% | 3.47% | +545 bps | |
| Share Growth (YoY) | -2.00% | 0.32% | 1.51% | 2.21% | 2.84% | 2.75% | 4.40% | 5.14% | +294 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.53% | 0.46% | 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 | 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 | 11.16% | 11.27% | 11.21% | 11.38% | 11.67% | 11.82% | 11.62% | 11.69% | +31 bps | |
| Net Worth / Assets | 11.16% | 11.27% | 11.21% | 11.38% | 11.67% | 11.82% | 11.62% | 11.69% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.64% | 82.98% | 81.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |