Sheboygan, WI · Charter 66872
NCUA · 14 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
71
Profitability
69
Liquidity
0
Efficiency
55
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.
Sheboygan, WI · Charter 66872
NCUA · 14 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 | 0.58% | 0.95% | 0.86% | 0.97% | 1.37% | 1.28% | 0.94% | 1.03% | +6 bps | |
| Return on Equity | 6.70% | 9.58% | 8.75% | 9.76% | 13.04% | 12.06% | 8.76% | 9.50% | -26 bps | |
| Net Interest Margin | 3.06% | 2.93% | 3.75% | 3.84% | 3.93% | 3.95% | 4.03% | 4.04% | +20 bps | |
| Efficiency Ratio | 85.57% | 77.13% | 81.24% | 79.15% | 72.99% | 74.52% | 79.30% | 76.70% | -245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 15.68% | 17.57% | 22.03% | 21.23% | 5.27% | 3.34% | 3.75% | -1,828 bps | |
| Loan Growth (YoY) | 3.71% | 21.26% | 21.54% | 22.74% | 20.84% | 5.53% | 6.18% | 5.78% | -1,696 bps | |
| Share Growth (YoY) | -0.22% | 14.04% | 12.27% | 16.07% | 18.37% | 4.63% | 5.47% | 6.75% | -932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.40% | 0.24% | 0.45% | 0.57% | 0.53% | 0.30% | 0.32% | -13 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 | 8.69% | 9.89% | 9.78% | 9.91% | 10.49% | 10.63% | 10.72% | 10.80% | +89 bps | |
| Net Worth / Assets | 8.69% | 9.89% | 9.78% | 9.91% | 10.49% | 10.63% | 10.72% | 10.80% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.50% | 96.50% | 92.58% | 96.73% | 97.49% | 97.32% | 93.20% | 95.84% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sheboygan, WI · Charter 66872 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 14 branches
Q2 2026
Return on Assets
1.03%
Rank 572 of 1,683
Net Interest Margin
4.04%
Rank 642 of 1,683
Efficiency Ratio
76.69%
Rank 759 of 1,682
Equity / Assets
10.80%
Rank 1,194 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 572 / 1,683 | ||
| Return on Equity | 9.50% | 2.67% | 5.89% | 8.74% | Beats 80% | 328 / 1,681 | ||
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 642 / 1,683 | ||
| Efficiency Ratio | 76.69% | 68.91% | 78.20% | 86.93% | Beats 55% | 759 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 489 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,194 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,194 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.84% | 52.61% | 69.38% | 83.50% | 94th pctl | 99 / 1,683 | ||
| Loans / Assets | 81.73% | 44.71% | 59.18% | 70.72% | 94th pctl | 107 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||