Niagara, WI · Charter 66798
NCUA · 4 branches
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
56
Asset Quality
44
Profitability
42
Liquidity
80
Efficiency
16
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.
Niagara, WI · Charter 66798
NCUA · 4 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 | 0.81% | 0.80% | 0.40% | 0.52% | 0.59% | 0.53% | 0.44% | 0.40% | -11 bps | |
| Return on Equity | 6.58% | 6.32% | 3.10% | 3.97% | 4.33% | 3.97% | 3.23% | 2.99% | -98 bps | |
| Net Interest Margin | 4.15% | 4.25% | 4.26% | 4.25% | 4.41% | 4.25% | 4.29% | 4.25% | 0 bps | |
| Efficiency Ratio | 83.03% | 83.85% | 91.42% | 90.86% | 89.67% | 90.52% | 89.80% | 90.80% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | -3.62% | -0.85% | -1.15% | -5.67% | -0.66% | -1.38% | -0.50% | +65 bps | |
| Loan Growth (YoY) | 0.96% | -0.85% | -3.96% | -3.43% | -4.38% | -7.30% | -8.10% | -5.25% | -182 bps | |
| Share Growth (YoY) | -3.18% | -6.33% | -3.59% | -4.06% | -6.55% | -1.05% | -1.62% | -0.21% | +385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.86% | 0.84% | 1.53% | 1.42% | 1.29% | 0.65% | 0.79% | -75 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 | 12.24% | 12.65% | 12.84% | 12.99% | 13.61% | 13.26% | 13.56% | 13.53% | +54 bps | |
| Net Worth / Assets | 12.24% | 12.65% | 12.84% | 12.99% | 13.61% | 13.26% | 13.56% | 13.53% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.66% | 67.17% | 66.55% | 66.52% | 68.21% | 62.93% | 62.16% | 63.16% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Niagara, WI · Charter 66798 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.40%
Rank 1,222 of 1,683
Net Interest Margin
4.25%
Rank 466 of 1,683
Efficiency Ratio
90.80%
Rank 1,407 of 1,682
Equity / Assets
13.53%
Rank 740 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,222 / 1,683 | ||
| Return on Equity | 2.99% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,214 / 1,681 | ||
| Net Interest Margin | 4.25% | 3.31% | 3.82% | 4.32% | Beats 72% | 466 / 1,683 | ||
| Efficiency Ratio | 90.80% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,407 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 44% | 950 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.53% | 10.44% | 12.89% | 16.53% | Beats 56% | 740 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.53% | 10.44% | 12.89% | 16.53% | Beats 56% | 740 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.16% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,016 / 1,683 | ||
| Loans / Assets | 53.99% | 44.71% | 59.18% | 70.72% | 41st pctl | 998 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||