Appleton, WI · Charter 66731
NCUA · 22 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 | 0.73% | 0.82% | 0.81% | 0.95% | 1.02% | 0.99% | 1.24% | 1.31% | +36 bps | |
| Return on Equity | 7.68% | 8.01% | 8.11% | 9.32% | 9.92% | 9.55% | 11.92% | 12.31% | +299 bps | |
| Net Interest Margin | 2.26% | 2.44% | 2.68% | 2.76% | 2.80% | 2.86% | 3.02% | 3.07% | +31 bps | |
| Efficiency Ratio | 73.82% | 72.00% | 70.76% | 69.21% | 68.05% | 68.76% | 65.62% | 65.02% | -420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.90% | 6.03% | 6.12% | 4.96% | 3.29% | 8.73% | 7.20% | 7.53% | +257 bps | |
| Loan Growth (YoY) | 2.58% | 4.69% | 7.60% | 9.53% | 12.83% | 9.54% | 9.37% | 10.21% | +67 bps | |
| Share Growth (YoY) | 3.85% | 3.26% | 3.14% | 1.67% | 5.09% | 8.58% | 9.31% | 9.98% | +831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.33% | 0.22% | 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 | 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 | 9.56% | 10.19% | 10.03% | 10.21% | 10.25% | 10.37% | 10.44% | 10.67% | +46 bps | |
| Net Worth / Assets | 9.56% | 10.19% | 10.03% | 10.21% | 10.25% | 10.37% | 10.44% | 10.67% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.84% | 100.30% | 99.88% | 102.02% | 102.89% | 101.19% | 99.94% | 102.23% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 99.62% | 98.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |