Niagara, WI · Charter 66798
NCUA · 4 branches
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 | 0.81% | 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 | |