Fond du Lac, WI · Charter 66755
NCUA · 1 branch
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 | 1.26% | 1.13% | 0.11% | -0.01% | 0.09% | -0.18% | -0.65% | -0.72% | -71 bps | |
| Return on Equity | 11.98% | 10.09% | 0.97% | -0.05% | 0.78% | -1.58% | -6.07% | -6.87% | -682 bps | |
| Net Interest Margin | 5.17% | 5.33% | 4.77% | 5.08% | 5.21% | 5.34% | 4.85% | 4.80% | -28 bps | |
| Efficiency Ratio | 77.76% | 77.58% | 98.05% | 91.55% | 88.86% | 89.18% | 94.47% | 94.28% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.15% | -0.88% | -2.23% | -6.41% | -7.06% | -5.03% | 0.32% | 5.94% | +1,235 bps | |
| Loan Growth (YoY) | -11.21% | -15.68% | -18.18% | -18.55% | -18.77% | -7.98% | -2.15% | 8.57% | +2,712 bps | |
| Share Growth (YoY) | 0.27% | -1.07% | -6.42% | -8.13% | -7.65% | -7.08% | 0.85% | 7.52% | +1,566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.04% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.28% | -0.01% | 0.39% | 0.20% | 0.63% | 0.08% | 0.03% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.56% | 11.20% | 11.18% | 11.65% | 11.57% | 11.61% | 10.78% | 10.47% | -118 bps | |
| Net Worth / Assets | 10.56% | 11.20% | 11.18% | 11.65% | 11.57% | 11.61% | 10.78% | 10.47% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.94% | 69.10% | 64.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |