Oconto Falls, WI · Charter 67017
NCUA · 7 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 | 0.91% | 0.99% | 1.12% | 1.16% | 1.10% | 1.11% | 1.24% | 1.26% | +10 bps | |
| Return on Equity | 8.31% | 8.83% | 9.93% | 10.22% | 9.56% | 9.84% | 11.13% | 11.34% | +112 bps | |
| Net Interest Margin | 3.46% | 3.39% | 3.61% | 3.77% | 3.80% | 3.67% | 3.96% | 3.87% | +10 bps | |
| Efficiency Ratio | 79.63% | 78.15% | 73.74% | 74.54% | 74.91% | 74.11% | 72.23% | 68.99% | -555 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | 0.44% | 1.52% | 5.11% | 5.43% | 9.34% | 11.89% | 13.70% | +859 bps | |
| Loan Growth (YoY) | 2.79% | 6.29% | 10.57% | 16.46% | 27.72% | 27.37% | 28.45% | 32.59% | +1,613 bps | |
| Share Growth (YoY) | -2.11% | -0.99% | 1.06% | 4.14% | 4.23% | 9.31% | 11.65% | 12.63% | +849 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.18% | 0.21% | 0.43% | 0.46% | 0.45% | 0.52% | 0.36% | -7 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 | 10.95% | 11.16% | 11.24% | 11.33% | 11.47% | 11.29% | 11.14% | 11.09% | -24 bps | |
| Net Worth / Assets | 10.95% | 11.16% | 11.24% | 11.33% | 11.47% | 11.29% | 11.14% | 11.09% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.70% | 60.78% | 61.41% | 65.05% | 71.92% | 70.82% | 70.65% | 76.58% | +1,152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |