Sheboygan, WI · Charter 66872
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.37% | 1.28% | 0.94% | 1.03% | +6 bps | |
| Return on Equity | 9.76% | 13.04% | 12.06% | 8.76% | 9.50% | -26 bps | |
| Net Interest Margin | 3.84% | 3.93% | 3.95% | 4.03% | 4.04% | +20 bps | |
| Efficiency Ratio | 79.15% | 72.99% | 74.52% | 79.30% | 76.70% | -245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.03% | 21.23% | 5.27% | 3.34% | 3.75% | -1,828 bps | |
| Loan Growth (YoY) | 22.74% | 20.84% | 5.53% | 6.18% | 5.78% | -1,696 bps | |
| Share Growth (YoY) | 16.07% | 18.37% | 4.63% | 5.47% | 6.75% | -932 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.91% | 10.49% | 10.63% | 10.72% | 10.80% | +89 bps | |
| Net Worth / Assets | 9.91% | 10.49% | 10.63% | 10.72% | 10.80% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |