La Crosse, WI · Charter 66752
NCUA · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
3
Profitability
63
Liquidity
0
Efficiency
14
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
La Crosse, WI · Charter 66752
NCUA · 18 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 | 0.82% | 0.76% | 0.65% | 0.81% | 0.94% | 0.89% | 0.90% | 0.80% | 0 bps | |
| Return on Equity | 6.88% | 6.34% | 5.46% | 6.58% | 7.56% | 7.25% | 7.25% | 6.60% | +2 bps | |
| Net Interest Margin | 5.58% | 5.63% | 5.65% | 5.80% | 5.73% | 5.62% | 5.54% | 5.44% | -37 bps | |
| Efficiency Ratio | 79.89% | 80.69% | 81.04% | 80.87% | 80.96% | 81.17% | 81.06% | 81.53% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -1.02% | -0.74% | 2.79% | 3.51% | 5.20% | 3.91% | 8.34% | +555 bps | |
| Loan Growth (YoY) | -0.13% | -0.25% | 0.32% | 4.32% | 3.63% | 2.88% | 3.31% | 4.14% | -18 bps | |
| Share Growth (YoY) | -1.12% | -2.23% | -3.20% | -2.20% | 0.81% | 2.78% | 1.41% | 7.45% | +965 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 2.20% | 1.85% | 2.26% | 2.58% | 2.63% | 1.89% | 2.26% | 0 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 | 11.99% | 12.07% | 11.92% | 12.28% | 12.40% | 12.34% | 12.39% | 12.19% | -9 bps | |
| Net Worth / Assets | 11.99% | 12.07% | 11.92% | 12.28% | 12.40% | 12.34% | 12.39% | 12.19% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.08% | 106.95% | 105.05% | 109.55% | 108.02% | 107.05% | 107.02% | 106.17% | -338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Crosse, WI · Charter 66752 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
0.80%
Rank 220 of 435
Net Interest Margin
5.44%
Rank 1 of 435
Efficiency Ratio
81.53%
Rank 377 of 435
Equity / Assets
12.19%
Rank 133 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.55% | 0.81% | 1.14% | Beats 49% | 220 / 435 | ||
| Return on Equity | 6.60% | 5.12% | 7.41% | 9.70% | Beats 40% | 260 / 435 | ||
| Net Interest Margin | 5.44% | 3.01% | 3.39% | 3.75% | Beats 100% | 1 / 435 | ||
| Efficiency Ratio | 81.53% | 65.25% | 71.39% | 77.86% | Beats 14% | 377 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.26% | 0.45% | 0.69% | 1.05% | Beats 3% | 423 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.19% | 9.81% | 10.84% | 12.63% | Beats 69% | 133 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.19% | 9.81% | 10.84% | 12.63% | Beats 69% | 133 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.17% | 78.33% | 88.38% | 95.61% | 95th pctl | 21 / 435 | ||
| Loans / Assets | 78.75% | 67.69% | 74.58% | 80.80% | 65th pctl | 154 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||