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 | |