Racine, WI · Charter 66878
NCUA · 2 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 | 0.62% | 0.60% | 0.75% | 0.78% | 0.78% | 0.76% | 0.53% | 0.47% | -31 bps | |
| Return on Equity | 6.19% | 5.99% | 7.42% | 7.59% | 7.45% | 7.13% | 4.97% | 4.42% | -318 bps | |
| Net Interest Margin | 4.03% | 4.06% | 4.10% | 4.26% | 4.30% | 4.33% | 4.10% | 4.03% | -23 bps | |
| Efficiency Ratio | 78.37% | 79.14% | 79.11% | 74.85% | 74.86% | 77.44% | 81.19% | 85.75% | +1,091 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.71% | 2.89% | 2.69% | 2.30% | 2.34% | 1.29% | 0.81% | 3.17% | +87 bps | |
| Loan Growth (YoY) | -1.06% | -1.30% | -1.02% | 0.38% | 7.27% | 7.99% | 7.68% | 7.46% | +708 bps | |
| Share Growth (YoY) | -1.16% | 2.63% | 1.97% | 1.65% | 1.25% | 0.61% | 0.28% | 2.92% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 1.02% | 0.68% | 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 | 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 | 9.98% | 10.05% | 10.07% | 10.28% | 10.47% | 10.69% | 10.61% | 10.56% | +28 bps | |
| Net Worth / Assets | 9.98% | 10.05% | 10.07% | 10.28% | 10.47% | 10.69% | 10.61% | 10.56% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.98% | 81.85% | 79.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |