Oshkosh, WI · Charter 66779
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.95% | -0.76% | 0.27% | 0.48% | 0.44% | -0.39% | 0.23% | -5 bps | |
| Return on Equity | 7.76% | 9.13% | -7.57% | 2.56% | 4.12% | 3.91% | -3.56% | 2.01% | -55 bps | |
| Net Interest Margin | 4.55% | 4.19% | 4.84% | 4.93% | 5.57% | 5.26% | 5.13% | 4.68% | -25 bps | |
| Efficiency Ratio | 85.33% | 81.87% | 114.59% | 88.73% | 83.94% | 82.19% | 92.85% | 87.11% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.64% | 4.18% | 7.29% | 9.19% | -3.46% | -7.71% | -9.39% | -7.55% | -1,674 bps | |
| Loan Growth (YoY) | -0.44% | -9.10% | -13.19% | -10.75% | -8.33% | -5.18% | -1.74% | -3.35% | +740 bps | |
| Share Growth (YoY) | 1.84% | 5.36% | 6.99% | 8.57% | -11.79% | -10.56% | -10.65% | -8.25% | -1,683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.78% | 0.94% | 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 | 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 | 10.68% | 10.36% | 10.07% | 10.67% | 11.61% | 11.28% | 10.95% | 11.23% | +55 bps | |
| Net Worth / Assets | 10.68% | 10.36% | 10.07% | 10.67% | 11.61% | 11.28% | 10.95% | 11.23% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.33% | 82.60% | 77.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |