Beloit, WI · Charter 66877
NCUA · 1 branch
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 | 0.60% | 0.61% | 0.68% | 0.99% | 0.85% | +25 bps | |
| Return on Equity | 5.43% | 5.39% | 5.68% | 8.19% | 6.96% | +153 bps | |
| Net Interest Margin | 3.18% | 3.35% | 3.59% | 4.02% | 4.14% | +96 bps | |
| Efficiency Ratio | 82.95% | 81.95% | 80.64% | 71.98% | 75.77% | -717 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.42% | 6.37% | -1.55% | -4.14% | -3.71% | -1,414 bps | |
| Loan Growth (YoY) | 4.38% | 9.56% | 8.62% | 7.22% | 6.65% | +226 bps | |
| Share Growth (YoY) | 11.15% | 6.49% | -2.52% | -5.51% | -5.01% | -1,616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.02% | 11.33% | 11.95% | 12.07% | 12.23% | +121 bps | |
| Net Worth / Assets | 11.02% | 11.33% | 11.95% | 12.07% | 12.23% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |