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Oshkosh Community

Oshkosh, WI · Charter 66779

NCUA · 1 branch

Q2 2026

$20.3MAssets
$15.2MLoans
$17.9MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, down 5 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 0.24% of loans (-80 bps YoY).
  • Capital: net worth / assets of 11.23%, up 55 bps from a year ago.
  • Funding: loans stand at 84.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.68%-25 bps YoY

Efficiency Ratio (YTD, annualized)

87.11%-162 bps YoY

Net Worth / Assets

11.23%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.48%0.44%-0.39%0.23%-5 bps
Return on Equity2.56%4.12%3.91%-3.56%2.01%-55 bps
Net Interest Margin4.93%5.57%5.26%5.13%4.68%-25 bps
Efficiency Ratio88.73%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 / Loans1.04%0.95%0.70%0.54%0.24%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.67%11.61%11.28%10.95%11.23%+55 bps
Net Worth / Assets10.67%11.61%11.28%10.95%11.23%+55 bps
Liquidity & Funding
Loans / Shares80.43%91.80%87.57%85.16%84.73%+430 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps