Fond du Lac, WI · Charter 66755
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
100
Profitability
33
Liquidity
89
Efficiency
11
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.
Fond du Lac, WI · Charter 66755
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | 0.09% | -0.18% | -0.65% | -0.72% | -71 bps | |
| Return on Equity | -0.05% | 0.78% | -1.58% | -6.07% | -6.87% | -682 bps | |
| Net Interest Margin | 5.08% | 5.21% | 5.34% | 4.85% | 4.80% | -28 bps | |
| Efficiency Ratio | 91.55% | 88.86% | 89.18% | 94.47% | 94.28% | +273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.41% | -7.06% | -5.03% | 0.32% | 5.94% | +1,235 bps | |
| Loan Growth (YoY) | -18.55% | -18.77% | -7.98% | -2.15% | 8.57% | +2,712 bps | |
| Share Growth (YoY) | -8.13% | -7.65% | -7.08% | 0.85% | 7.52% | +1,566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 0.64% | 2.31% | 1.05% | 0.00% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.20% | 0.63% | 0.08% | 0.03% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 11.57% | 11.61% | 10.78% | 10.47% | -118 bps | |
| Net Worth / Assets | 11.65% | 11.57% | 11.61% | 10.78% | 10.47% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.41% | 61.52% | 68.43% | 63.04% | 66.05% | +64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fond du Lac, WI · Charter 66755 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.73%
Rank 1,592 of 1,683
Net Interest Margin
4.81%
Rank 194 of 1,683
Efficiency Ratio
94.39%
Rank 1,496 of 1,682
Equity / Assets
10.47%
Rank 1,257 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,592 / 1,683 | |
| Return on Equity | -6.93% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,605 / 1,681 | |
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 194 / 1,683 | |
| Efficiency Ratio | 94.39% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,496 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,257 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,257 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.05% | 52.61% | 69.38% | 83.50% | 44th pctl | 948 / 1,683 | |
| Loans / Assets | 58.95% | 44.71% | 59.18% | 70.72% | 49th pctl | 851 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||