PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.E.W.

Oconto Falls, WI · Charter 67017

NCUA · 7 branches

Q2 2026

$178.2MAssets
$118.2MLoans
$154.3MShares
$19.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.26%, up 10 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.36% of loans (-7 bps YoY).
  • Capital: net worth / assets of 11.09%, down 24 bps from a year ago.
  • Funding: loans stand at 76.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.26%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+10 bps YoY

Efficiency Ratio (quarter, annualized)

68.99%-555 bps YoY

Net Worth / Assets

11.09%-24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.10%1.11%1.24%1.26%+10 bps
Return on Equity10.22%9.56%9.84%11.13%11.34%+112 bps
Net Interest Margin3.77%3.80%3.67%3.96%3.87%+10 bps
Efficiency Ratio74.54%74.91%74.11%72.23%68.99%-555 bps
Growth
Asset Growth (YoY)5.11%5.43%9.34%11.89%13.70%+859 bps
Loan Growth (YoY)16.46%27.72%27.37%28.45%32.59%+1,613 bps
Share Growth (YoY)4.14%4.23%9.31%11.65%12.63%+849 bps
Asset Quality
Delinquent Loans / Loans0.43%0.46%0.45%0.52%0.36%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.33%11.47%11.29%11.14%11.09%-24 bps
Net Worth / Assets11.33%11.47%11.29%11.14%11.09%-24 bps
Liquidity & Funding
Loans / Shares65.05%71.92%70.82%70.65%76.58%+1,152 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps