Oshkosh, WI · Charter 66779
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
34
Asset Quality
76
Profitability
41
Liquidity
32
Efficiency
25
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.
Oshkosh, WI · Charter 66779
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 | 0.27% | 0.48% | 0.44% | -0.39% | 0.23% | -5 bps | |
| Return on Equity | 2.56% | 4.12% | 3.91% | -3.56% | 2.01% | -55 bps | |
| Net Interest Margin | 4.93% | 5.57% | 5.26% | 5.13% | 4.68% | -25 bps | |
| Efficiency Ratio | 88.73% | 83.94% | 82.19% | 92.85% | 87.11% | -162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.19% | -3.46% | -7.71% | -9.39% | -7.55% | -1,674 bps | |
| Loan Growth (YoY) | -10.75% | -8.33% | -5.18% | -1.74% | -3.35% | +740 bps | |
| Share Growth (YoY) | 8.57% | -11.79% | -10.56% | -10.65% | -8.25% | -1,683 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 0.95% | 0.70% | 0.54% | 0.24% | -80 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.67% | 11.61% | 11.28% | 10.95% | 11.23% | +55 bps | |
| Net Worth / Assets | 10.67% | 11.61% | 11.28% | 10.95% | 11.23% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.43% | 91.80% | 87.57% | 85.16% | 84.73% | +430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oshkosh, WI · Charter 66779 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.23%
Rank 1,366 of 1,683
Net Interest Margin
4.68%
Rank 256 of 1,683
Efficiency Ratio
87.09%
Rank 1,268 of 1,682
Equity / Assets
11.23%
Rank 1,112 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,366 / 1,683 | |
| Return on Equity | 2.02% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,342 / 1,681 | |
| Net Interest Margin | 4.68% | 3.31% | 3.82% | 4.32% | Beats 85% | 256 / 1,683 | |
| Efficiency Ratio | 87.09% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,268 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 76% | 397 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.23% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,112 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.23% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,112 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.73% | 52.61% | 69.38% | 83.50% | 77th pctl | 383 / 1,683 | |
| Loans / Assets | 74.72% | 44.71% | 59.18% | 70.72% | 82nd pctl | 297 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||