New Holstein, WI · Charter 66760
NCUA · 4 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 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
56
Asset Quality
35
Profitability
65
Liquidity
92
Efficiency
52
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.
New Holstein, WI · Charter 66760
NCUA · 4 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 | 1.50% | 1.44% | 1.22% | 1.18% | 1.33% | 1.40% | 1.07% | 1.09% | -9 bps | |
| Return on Equity | 12.88% | 12.06% | 9.91% | 9.42% | 10.31% | 10.45% | 7.90% | 8.04% | -138 bps | |
| Net Interest Margin | 3.93% | 3.93% | 3.91% | 3.93% | 4.00% | 4.04% | 3.93% | 3.92% | -1 bps | |
| Efficiency Ratio | 70.24% | 71.40% | 74.21% | 76.05% | 73.39% | 72.13% | 77.68% | 77.64% | +159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | -0.50% | -0.03% | -0.45% | 0.26% | -0.40% | 1.39% | 2.65% | +310 bps | |
| Loan Growth (YoY) | 12.24% | 16.69% | 13.09% | 3.62% | 4.23% | 0.65% | 2.81% | 4.51% | +89 bps | |
| Share Growth (YoY) | -2.44% | -2.02% | -1.22% | -1.60% | -1.70% | -2.21% | -0.79% | 0.73% | +233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.65% | 0.80% | 1.00% | 1.08% | 1.29% | 1.24% | 0.95% | -5 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 | 11.66% | 11.96% | 12.30% | 12.54% | 12.94% | 13.41% | 13.48% | 13.55% | +100 bps | |
| Net Worth / Assets | 11.66% | 11.96% | 12.30% | 12.54% | 12.94% | 13.41% | 13.48% | 13.55% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.68% | 69.62% | 68.46% | 68.56% | 70.71% | 71.65% | 70.95% | 71.13% | +257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Holstein, WI · Charter 66760 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.09%
Rank 505 of 1,683
Net Interest Margin
3.92%
Rank 746 of 1,683
Efficiency Ratio
77.64%
Rank 814 of 1,682
Equity / Assets
13.55%
Rank 739 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 505 / 1,683 | ||
| Return on Equity | 8.04% | 2.67% | 5.89% | 8.74% | Beats 70% | 505 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 746 / 1,683 | ||
| Efficiency Ratio | 77.64% | 68.91% | 78.20% | 86.93% | Beats 52% | 814 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,094 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.55% | 10.44% | 12.89% | 16.53% | Beats 56% | 739 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.55% | 10.44% | 12.89% | 16.53% | Beats 56% | 739 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.13% | 52.61% | 69.38% | 83.50% | 53rd pctl | 787 / 1,683 | ||
| Loans / Assets | 60.60% | 44.71% | 59.18% | 70.72% | 53rd pctl | 785 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||