Eau Claire, WI · Charter 66834
NCUA · 57 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
77
Profitability
86
Liquidity
35
Efficiency
87
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.
Eau Claire, WI · Charter 66834
NCUA · 57 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.33% | 1.27% | 1.36% | 1.47% | +19 bps | |
| Return on Equity | 12.84% | 13.11% | 12.38% | 13.04% | 13.55% | +71 bps | |
| Net Interest Margin | 3.41% | 3.49% | 3.49% | 3.46% | 3.69% | +28 bps | |
| Efficiency Ratio | 64.66% | 63.40% | 63.30% | 63.44% | 60.26% | -440 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.30% | 6.56% | 9.34% | 7.77% | 5.30% | +100 bps | |
| Loan Growth (YoY) | 3.43% | 5.55% | 5.62% | 5.91% | 4.49% | +107 bps | |
| Share Growth (YoY) | 7.75% | 8.02% | 9.08% | 7.22% | 4.22% | -354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.60% | 0.57% | 0.54% | 0.43% | -19 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.95% | 10.15% | 10.25% | 10.46% | 10.83% | +88 bps | |
| Net Worth / Assets | 9.95% | 10.15% | 10.25% | 10.46% | 10.83% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.24% | 97.95% | 96.02% | 95.87% | 97.50% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eau Claire, WI · Charter 66834 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 57 branches
Q2 2026
Return on Assets
1.47%
Rank 39 of 435
Net Interest Margin
3.69%
Rank 121 of 435
Efficiency Ratio
60.26%
Rank 59 of 435
Equity / Assets
10.83%
Rank 221 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 0.55% | 0.81% | 1.14% | Beats 91% | 39 / 435 | |
| Return on Equity | 13.55% | 5.12% | 7.41% | 9.70% | Beats 96% | 17 / 435 | |
| Net Interest Margin | 3.69% | 3.01% | 3.39% | 3.75% | Beats 72% | 121 / 435 | |
| Efficiency Ratio | 60.26% | 65.25% | 71.39% | 77.86% | Beats 87% | 59 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.45% | 0.69% | 1.05% | Beats 77% | 103 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 221 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 221 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.50% | 78.33% | 88.38% | 95.61% | 79th pctl | 90 / 435 | |
| Loans / Assets | 85.55% | 67.69% | 74.58% | 80.80% | 91st pctl | 37 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||