La Crosse, WI · Charter 66752
NCUA · 18 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |