Sparta, WI · Charter 67012
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |