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Badger-Globe

Neenah, WI · Charter 66750

NCUA · 1 branch

Q2 2026

$51.6MAssets
$30.6MLoans
$44.2MShares
$7.0MNet 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 -0.71%, down 116 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 1.50% of loans (-54 bps YoY).
  • Capital: net worth / assets of 13.64%, down 47 bps from a year ago.
  • Funding: loans stand at 69.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.71%-116 bps YoY

Net Interest Margin (quarter, annualized)

2.88%-16 bps YoY

Efficiency Ratio (quarter, annualized)

118.84%+3,290 bps YoY

Net Worth / Assets

13.64%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.39%0.07%-0.40%-0.71%-116 bps
Return on Equity3.21%2.74%0.50%-2.98%-5.21%-842 bps
Net Interest Margin3.05%3.08%3.07%2.76%2.88%-16 bps
Efficiency Ratio85.93%86.82%95.21%113.82%118.84%+3,290 bps
Growth
Asset Growth (YoY)-2.55%-1.77%-0.11%1.87%-0.42%+213 bps
Loan Growth (YoY)-11.79%-9.62%-6.66%0.68%5.83%+1,762 bps
Share Growth (YoY)-2.75%-2.00%0.21%2.14%0.22%+297 bps
Asset Quality
Delinquent Loans / Loans2.04%2.09%0.50%0.49%1.50%-54 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 Capital14.11%14.25%14.14%13.41%13.64%-47 bps
Net Worth / Assets14.11%14.25%14.14%13.41%13.64%-47 bps
Liquidity & Funding
Loans / Shares65.54%65.04%66.05%65.78%69.21%+367 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps