Oshkosh, WI · Charter 66777
NCUA · 20 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 | 0.02% | 0.05% | 0.19% | 0.28% | 0.34% | 0.39% | 0.59% | 0.51% | +23 bps | |
| Return on Equity | 0.20% | 0.56% | 2.06% | 3.00% | 3.58% | 4.16% | 6.14% | 5.18% | +218 bps | |
| Net Interest Margin | 2.34% | 2.44% | 2.56% | 2.65% | 2.77% | 2.79% | 3.04% | 3.14% | +49 bps | |
| Efficiency Ratio | 90.71% | 90.53% | 88.00% | 85.81% | 83.65% | 81.87% | 75.85% | 77.26% | -856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.59% | 3.96% | 4.63% | 3.90% | 1.08% | 4.56% | -0.10% | -1.52% | -542 bps | |
| Loan Growth (YoY) | 7.06% | 9.41% | -0.17% | -0.46% | 0.64% | 0.20% | 1.81% | 1.30% | +176 bps | |
| Share Growth (YoY) | 0.69% | 2.38% | 5.92% | 5.89% | 2.58% | 5.11% | 2.56% | 1.76% | -413 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.40% | 0.25% | 0.45% | 0.37% | 0.35% | 0.36% | 0.38% | -7 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 | 9.27% | 9.46% | 9.21% | 9.22% | 9.42% | 9.40% | 9.68% | 9.84% | +62 bps | |
| Net Worth / Assets | 9.27% | 9.46% | 9.21% | 9.22% | 9.42% | 9.40% | 9.68% | 9.84% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.90% | 88.92% | 84.78% | 85.27% | 86.23% | 84.77% | 84.16% | 84.89% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |