Menomonie, WI · Charter 66742
NCUA · 21 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 | 0.54% | 0.66% | 0.79% | 0.90% | 0.97% | 1.06% | 1.36% | 1.10% | +21 bps | |
| Return on Equity | 4.17% | 5.08% | 6.21% | 7.04% | 7.64% | 8.25% | 10.48% | 8.53% | +149 bps | |
| Net Interest Margin | 3.19% | 3.27% | 3.42% | 3.47% | 3.50% | 3.54% | 3.72% | 3.75% | +27 bps | |
| Efficiency Ratio | 82.70% | 79.88% | 79.90% | 77.22% | 74.49% | 72.35% | 68.89% | 68.43% | -879 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 0.98% | 6.14% | 8.33% | 9.75% | 10.52% | 8.11% | 7.85% | -48 bps | |
| Loan Growth (YoY) | 3.38% | 2.84% | 4.78% | 5.79% | 5.84% | 7.02% | 6.55% | 6.24% | +45 bps | |
| Share Growth (YoY) | 1.13% | 2.86% | 5.26% | 7.55% | 9.47% | 8.69% | 7.23% | 7.06% | -48 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.91% | 0.80% | 0.82% | 0.82% | 0.72% | 0.59% | 0.64% | -18 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 | 12.87% | 13.06% | 12.78% | 12.72% | 12.69% | 12.87% | 13.02% | 12.95% | +23 bps | |
| Net Worth / Assets | 12.87% | 13.06% | 12.78% | 12.72% | 12.69% | 12.87% | 13.02% | 12.95% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.86% | 81.84% | 80.21% | 79.85% | 79.15% | 80.58% | 79.69% | 79.24% | -61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |