Appleton, WI · Charter 66731
NCUA · 22 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
91
Profitability
68
Liquidity
1
Efficiency
76
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.
Appleton, WI · Charter 66731
NCUA · 22 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 | 0.95% | 1.02% | 0.99% | 1.24% | 1.31% | +36 bps | |
| Return on Equity | 9.32% | 9.92% | 9.55% | 11.92% | 12.31% | +299 bps | |
| Net Interest Margin | 2.76% | 2.80% | 2.86% | 3.02% | 3.07% | +31 bps | |
| Efficiency Ratio | 69.21% | 68.05% | 68.76% | 65.62% | 65.02% | -420 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.96% | 3.29% | 8.73% | 7.20% | 7.53% | +257 bps | |
| Loan Growth (YoY) | 9.53% | 12.83% | 9.54% | 9.37% | 10.21% | +67 bps | |
| Share Growth (YoY) | 1.67% | 5.09% | 8.58% | 9.31% | 9.98% | +831 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.32% | 0.23% | 0.22% | 0.29% | +1 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 | 10.21% | 10.25% | 10.37% | 10.44% | 10.67% | +46 bps | |
| Net Worth / Assets | 10.21% | 10.25% | 10.37% | 10.44% | 10.67% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.02% | 102.89% | 101.19% | 99.94% | 102.23% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Appleton, WI · Charter 66731 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
1.31%
Rank 68 of 435
Net Interest Margin
3.07%
Rank 309 of 435
Efficiency Ratio
65.02%
Rank 105 of 435
Equity / Assets
10.67%
Rank 236 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 0.55% | 0.81% | 1.14% | Beats 84% | 68 / 435 | |
| Return on Equity | 12.31% | 5.12% | 7.41% | 9.70% | Beats 92% | 36 / 435 | |
| Net Interest Margin | 3.07% | 3.01% | 3.39% | 3.75% | Beats 29% | 309 / 435 | |
| Efficiency Ratio | 65.02% | 65.25% | 71.39% | 77.86% | Beats 76% | 105 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.45% | 0.69% | 1.05% | Beats 91% | 40 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.67% | 9.81% | 10.84% | 12.63% | Beats 46% | 236 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.67% | 9.81% | 10.84% | 12.63% | Beats 46% | 236 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.23% | 78.33% | 88.38% | 95.61% | 89th pctl | 48 / 435 | |
| Loans / Assets | 80.37% | 67.69% | 74.58% | 80.80% | 72nd pctl | 120 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||