Sparta, WI · Charter 67012
NCUA · 4 branches
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 | 1.12% | 1.19% | 1.14% | 1.27% | 1.31% | +19 bps | |
| Return on Equity | 11.77% | 12.16% | 11.66% | 13.18% | 12.86% | +109 bps | |
| Net Interest Margin | 3.75% | 3.86% | 3.81% | 3.81% | 3.79% | +4 bps | |
| Efficiency Ratio | 74.14% | 73.35% | 72.30% | 70.80% | 70.03% | -411 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.96% | -0.69% | 5.26% | 3.84% | 6.40% | +735 bps | |
| Loan Growth (YoY) | 6.87% | 7.43% | 5.38% | 0.71% | 0.15% | -671 bps | |
| Share Growth (YoY) | 2.96% | 2.89% | 5.48% | 5.32% | 5.91% | +295 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.53% | 9.82% | 9.75% | 9.61% | 10.17% | +63 bps | |
| Net Worth / Assets | 9.53% | 9.82% | 9.75% | 9.61% | 10.17% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |