Wausau, WI · Charter 66862
NCUA · 1 branch
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 | -0.24% | 0.00% | -0.18% | -0.05% | 0.16% | 0.17% | 0.40% | 0.58% | +63 bps | |
| Return on Equity | -2.30% | 0.02% | -1.76% | -0.50% | 1.60% | 1.73% | 4.05% | 5.88% | +638 bps | |
| Net Interest Margin | 2.17% | 2.58% | 2.57% | 1.74% | 2.76% | 2.84% | 3.16% | 3.13% | +140 bps | |
| Efficiency Ratio | 115.77% | 99.66% | 106.10% | 102.58% | 94.95% | 94.80% | 90.78% | 86.65% | -1,593 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | 0.00% | -0.66% | 1.99% | 0.94% | 2.76% | 3.81% | 7.64% | +565 bps | |
| Loan Growth (YoY) | 1.57% | 0.00% | 1.29% | 2.21% | 2.66% | 7.35% | 5.73% | 3.12% | +91 bps | |
| Share Growth (YoY) | 3.04% | 0.00% | -0.44% | 2.56% | 1.03% | 3.01% | 4.16% | 8.23% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.10% | 1.19% | 0.09% | 0.36% | 0.33% | 0.25% | 0.42% | +33 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 | 10.33% | 10.37% | 10.20% | 10.24% | 10.11% | 9.85% | 9.95% | 9.80% | -44 bps | |
| Net Worth / Assets | 10.33% | 10.37% | 10.20% | 10.24% | 10.11% | 9.85% | 9.95% | 9.80% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.31% | 100.41% | 102.01% | 102.18% | 102.94% | 104.64% | 103.55% | 97.37% | -482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |