Racine, WI · Charter 66878
NCUA · 2 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
26
Asset Quality
49
Profitability
43
Liquidity
29
Efficiency
28
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.
Racine, WI · Charter 66878
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.78% | 0.76% | 0.53% | 0.47% | -31 bps | |
| Return on Equity | 7.59% | 7.45% | 7.13% | 4.97% | 4.42% | -318 bps | |
| Net Interest Margin | 4.26% | 4.30% | 4.33% | 4.10% | 4.03% | -23 bps | |
| Efficiency Ratio | 74.85% | 74.86% | 77.44% | 81.19% | 85.75% | +1,091 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 2.34% | 1.29% | 0.81% | 3.17% | +87 bps | |
| Loan Growth (YoY) | 0.38% | 7.27% | 7.99% | 7.68% | 7.46% | +708 bps | |
| Share Growth (YoY) | 1.65% | 1.25% | 0.61% | 0.28% | 2.92% | +128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.72% | 0.64% | 0.65% | 0.67% | -32 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 | 10.28% | 10.47% | 10.69% | 10.61% | 10.56% | +28 bps | |
| Net Worth / Assets | 10.28% | 10.47% | 10.69% | 10.61% | 10.56% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.97% | 86.86% | 87.86% | 85.88% | 85.59% | +362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Racine, WI · Charter 66878 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.47%
Rank 1,171 of 1,683
Net Interest Margin
4.03%
Rank 652 of 1,683
Efficiency Ratio
85.71%
Rank 1,209 of 1,682
Equity / Assets
10.56%
Rank 1,246 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,171 / 1,683 | |
| Return on Equity | 4.43% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,031 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 652 / 1,683 | |
| Efficiency Ratio | 85.71% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,209 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 49% | 852 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.56% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,246 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.56% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,246 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 360 / 1,683 | |
| Loans / Assets | 76.20% | 44.71% | 59.18% | 70.72% | 86th pctl | 244 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||