PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fox Communities

Appleton, WI · Charter 66731

NCUA · 22 branches

Q2 2026

$3.4BAssets
$2.7BLoans
$2.7BShares
$361.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.31%, up 36 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.29% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.67%, up 46 bps from a year ago.
  • Funding: loans stand at 102.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+31 bps YoY

Efficiency Ratio (YTD, annualized)

65.02%-420 bps YoY

Net Worth / Assets

10.67%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.02%0.99%1.24%1.31%+36 bps
Return on Equity9.32%9.92%9.55%11.92%12.31%+299 bps
Net Interest Margin2.76%2.80%2.86%3.02%3.07%+31 bps
Efficiency Ratio69.21%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 / Loans0.29%0.32%0.23%0.22%0.29%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.21%10.25%10.37%10.44%10.67%+46 bps
Net Worth / Assets10.21%10.25%10.37%10.44%10.67%+46 bps
Liquidity & Funding
Loans / Shares102.02%102.89%101.19%99.94%102.23%+21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps