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 | |