Beloit, WI · Charter 66877
NCUA · 1 branch
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
43
Asset Quality
82
Profitability
61
Liquidity
50
Efficiency
58
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.
Beloit, WI · Charter 66877
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 | 0.78% | 0.73% | 0.36% | 0.60% | 0.61% | 0.68% | 0.99% | 0.85% | +25 bps | |
| Return on Equity | 6.85% | 6.60% | 3.31% | 5.43% | 5.39% | 5.68% | 8.19% | 6.96% | +153 bps | |
| Net Interest Margin | 3.32% | 3.23% | 3.10% | 3.18% | 3.35% | 3.59% | 4.02% | 4.14% | +96 bps | |
| Efficiency Ratio | 78.63% | 79.08% | 80.35% | 82.95% | 81.95% | 80.64% | 71.98% | 75.77% | -717 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.76% | 13.41% | 12.06% | 10.42% | 6.37% | -1.55% | -4.14% | -3.71% | -1,414 bps | |
| Loan Growth (YoY) | 1.49% | -1.68% | 0.72% | 4.38% | 9.56% | 8.62% | 7.22% | 6.65% | +226 bps | |
| Share Growth (YoY) | 13.73% | 14.41% | 13.01% | 11.15% | 6.49% | -2.52% | -5.51% | -5.01% | -1,616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.09% | 0.12% | 0.25% | 0.30% | 0.29% | 0.16% | 0.16% | -10 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 | 11.39% | 11.10% | 10.78% | 11.02% | 11.33% | 11.95% | 12.07% | 12.23% | +121 bps | |
| Net Worth / Assets | 11.39% | 11.10% | 10.78% | 11.02% | 11.33% | 11.95% | 12.07% | 12.23% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.80% | 47.96% | 46.76% | 48.04% | 51.24% | 53.44% | 53.06% | 53.94% | +589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beloit, WI · Charter 66877 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.85%
Rank 733 of 1,683
Net Interest Margin
4.14%
Rank 562 of 1,683
Efficiency Ratio
75.77%
Rank 711 of 1,682
Equity / Assets
12.23%
Rank 957 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 56% | 733 / 1,683 | ||
| Return on Equity | 6.95% | 2.67% | 5.89% | 8.74% | Beats 61% | 662 / 1,681 | ||
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 562 / 1,683 | ||
| Efficiency Ratio | 75.77% | 68.91% | 78.20% | 86.93% | Beats 58% | 711 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 302 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 957 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.23% | 10.44% | 12.89% | 16.53% | Beats 43% | 957 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.94% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,237 / 1,683 | ||
| Loans / Assets | 47.20% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,194 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||