Wausau, WI · Charter 66844
NCUA · 3 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 | 0.29% | 0.34% | 0.61% | 0.69% | 0.75% | 0.76% | 0.75% | 0.83% | +14 bps | |
| Return on Equity | 2.26% | 2.74% | 4.94% | 5.62% | 6.01% | 6.11% | 6.08% | 6.72% | +110 bps | |
| Net Interest Margin | 2.24% | 2.25% | 2.46% | 2.57% | 2.68% | 2.71% | 2.98% | 3.03% | +46 bps | |
| Efficiency Ratio | 87.88% | 85.95% | 78.15% | 76.08% | 74.86% | 74.88% | 77.44% | 75.00% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.03% | 0.88% | 3.45% | 6.90% | 7.98% | 7.67% | 7.79% | 6.71% | -19 bps | |
| Loan Growth (YoY) | 3.79% | 3.74% | 6.01% | 6.31% | 9.25% | 8.98% | 8.22% | 8.40% | +209 bps | |
| Share Growth (YoY) | -2.65% | 0.48% | 4.59% | 8.54% | 10.63% | 8.99% | 9.01% | 7.68% | -86 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.06% | 0.13% | 0.02% | 0.11% | 0.13% | 0.19% | 0.24% | +22 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 | 12.72% | 12.53% | 12.42% | 12.34% | 12.46% | 12.38% | 12.29% | 12.37% | +4 bps | |
| Net Worth / Assets | 12.72% | 12.53% | 12.42% | 12.34% | 12.46% | 12.38% | 12.29% | 12.37% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.95% | 91.36% | 90.90% | 90.51% | 92.78% | 91.35% | 90.24% | 91.12% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |