Janesville, WI · Charter 66998
NCUA · 10 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 | 0.83% | 0.82% | 0.34% | 0.50% | 0.53% | 0.49% | 0.22% | 0.33% | -17 bps | |
| Return on Equity | 7.62% | 7.45% | 3.09% | 4.63% | 4.81% | 4.46% | 2.07% | 3.10% | -154 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.02% | 3.15% | 3.17% | 3.21% | 2.97% | 3.12% | -3 bps | |
| Efficiency Ratio | 77.76% | 77.82% | 88.09% | 85.16% | 85.23% | 86.14% | 93.89% | 90.03% | +487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 6.56% | 7.06% | 6.71% | 5.19% | 5.01% | 5.06% | 5.00% | -171 bps | |
| Loan Growth (YoY) | -1.85% | -2.02% | -3.73% | -4.72% | -4.56% | -4.24% | -2.15% | -0.58% | +415 bps | |
| Share Growth (YoY) | 7.23% | 6.51% | 7.19% | 6.78% | 4.99% | 5.62% | 4.79% | 4.98% | -180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.44% | 0.42% | 0.64% | 0.64% | 0.69% | 0.41% | 0.63% | -1 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 | 10.94% | 11.06% | 10.90% | 10.89% | 10.99% | 11.03% | 10.84% | 10.77% | -12 bps | |
| Net Worth / Assets | 10.94% | 11.06% | 10.90% | 10.89% | 10.99% | 11.03% | 10.84% | 10.77% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.39% | 68.33% | 65.00% | 63.37% | 63.09% | 61.95% | 60.69% | 60.02% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |