PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westconsin

Menomonie, WI · Charter 66742

NCUA · 21 branches

Q2 2026

$2.2BAssets
$1.5BLoans
$1.9BShares
$290.9MNet 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 1.10%, up 21 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.64% of loans (-18 bps YoY).
  • Capital: net worth / assets of 12.95%, up 23 bps from a year ago.
  • Funding: loans stand at 79.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+27 bps YoY

Efficiency Ratio (YTD, annualized)

68.43%-879 bps YoY

Net Worth / Assets

12.95%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.97%1.06%1.36%1.10%+21 bps
Return on Equity7.04%7.64%8.25%10.48%8.53%+149 bps
Net Interest Margin3.47%3.50%3.54%3.72%3.75%+27 bps
Efficiency Ratio77.22%74.49%72.35%68.89%68.43%-879 bps
Growth
Asset Growth (YoY)8.33%9.75%10.52%8.11%7.85%-48 bps
Loan Growth (YoY)5.79%5.84%7.02%6.55%6.24%+45 bps
Share Growth (YoY)7.55%9.47%8.69%7.23%7.06%-48 bps
Asset Quality
Delinquent Loans / Loans0.82%0.82%0.72%0.59%0.64%-18 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 Capital12.72%12.69%12.87%13.02%12.95%+23 bps
Net Worth / Assets12.72%12.69%12.87%13.02%12.95%+23 bps
Liquidity & Funding
Loans / Shares79.85%79.15%80.58%79.69%79.24%-61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps