Sparta, WI · Charter 67012
NCUA · 4 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
22
Asset Quality
42
Profitability
74
Liquidity
34
Efficiency
73
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.
Sparta, WI · Charter 67012
NCUA · 4 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 | 0.71% | 0.79% | 0.97% | 1.12% | 1.19% | 1.14% | 1.27% | 1.31% | +19 bps | |
| Return on Equity | 8.23% | 8.70% | 10.70% | 11.77% | 12.16% | 11.66% | 13.18% | 12.86% | +109 bps | |
| Net Interest Margin | 3.29% | 3.46% | 3.58% | 3.75% | 3.86% | 3.81% | 3.81% | 3.79% | +4 bps | |
| Efficiency Ratio | 79.62% | 78.44% | 79.25% | 74.14% | 73.35% | 72.30% | 70.80% | 70.03% | -411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | -2.76% | -0.68% | -0.96% | -0.69% | 5.26% | 3.84% | 6.40% | +735 bps | |
| Loan Growth (YoY) | -2.16% | 0.13% | 5.76% | 6.87% | 7.43% | 5.38% | 0.71% | 0.15% | -671 bps | |
| Share Growth (YoY) | 5.26% | 1.50% | 1.79% | 2.96% | 2.89% | 5.48% | 5.32% | 5.91% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.45% | 0.56% | 1.03% | 0.58% | 0.71% | 0.76% | 0.83% | -20 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 | 8.65% | 9.10% | 9.08% | 9.53% | 9.82% | 9.75% | 9.61% | 10.17% | +63 bps | |
| Net Worth / Assets | 8.65% | 9.10% | 9.08% | 9.53% | 9.82% | 9.75% | 9.61% | 10.17% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.24% | 88.25% | 89.31% | 89.28% | 91.09% | 88.17% | 85.40% | 84.43% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sparta, WI · Charter 67012 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.31%
Rank 344 of 1,683
Net Interest Margin
3.79%
Rank 862 of 1,683
Efficiency Ratio
70.04%
Rank 456 of 1,682
Equity / Assets
10.17%
Rank 1,309 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 344 / 1,683 | ||
| Return on Equity | 12.85% | 2.67% | 5.89% | 8.74% | Beats 94% | 95 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 862 / 1,683 | ||
| Efficiency Ratio | 70.04% | 68.91% | 78.20% | 86.93% | Beats 73% | 456 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.26% | 0.65% | 1.29% | Beats 42% | 981 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,309 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,309 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.43% | 52.61% | 69.38% | 83.50% | 77th pctl | 391 / 1,683 | ||
| Loans / Assets | 74.82% | 44.71% | 59.18% | 70.72% | 83rd pctl | 294 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||