Oshkosh Community
Oshkosh, WI · Charter 66779 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$20.3MAssets
$15.2MLoans
$17.9MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets (rank 256 of 1683).
- Widest gap: return on assets trails 81% of credit unions under $1B in assets (rank 1366 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 8-Qtr Trend | 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 |