Waukesha, WI · Charter 67022
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 in the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
73
Profitability
67
Liquidity
38
Efficiency
40
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.
Waukesha, WI · Charter 67022
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 | 0.39% | -1.05% | 1.08% | 1.10% | 0.28% | 1.11% | -1.34% | 1.10% | 0 bps | |
| Return on Equity | 1.86% | -4.97% | 4.96% | 4.80% | 1.21% | 4.57% | -5.52% | 4.80% | 0 bps | |
| Net Interest Margin | 6.40% | 6.54% | 6.00% | 6.10% | 6.13% | 6.01% | 5.67% | 6.10% | 0 bps | |
| Efficiency Ratio | 75.81% | 72.32% | 83.69% | 83.63% | 95.83% | 97.86% | 112.12% | 83.63% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | -10.97% | -8.97% | -10.48% | -13.19% | -9.38% | -8.27% | 0.00% | +1,048 bps | |
| Loan Growth (YoY) | -1.58% | -13.55% | -21.67% | -22.05% | -28.03% | -19.08% | -15.53% | 0.00% | +2,205 bps | |
| Share Growth (YoY) | -0.27% | -12.43% | -10.17% | -12.74% | -15.53% | -13.74% | -11.53% | 0.00% | +1,274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.22% | 0.56% | 0.30% | 0.02% | 0.56% | 1.31% | 0.30% | 0 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 | 3.39% | 1.50% | 4.29% | 4.40% | 4.87% | 3.37% | 3.50% | 4.40% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.00% | 21.01% | 21.69% | 22.89% | 23.11% | 24.30% | 24.28% | 22.89% | 0 bps | |
| Net Worth / Assets | 21.00% | 21.01% | 21.69% | 22.89% | 23.11% | 24.30% | 24.28% | 22.89% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.86% | 92.05% | 90.12% | 90.74% | 82.52% | 86.35% | 86.03% | 90.74% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waukesha, WI · Charter 67022 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 4 branches
Q2 2026
Return on Assets
1.12%
Rank 6 of 15
Net Interest Margin
6.09%
Rank 2 of 15
Efficiency Ratio
83.33%
Rank 10 of 15
Equity / Assets
22.87%
Rank 6 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.50% | 0.76% | 1.34% | Beats 60% | 6 / 15 | ||
| Return on Equity | 4.92% | 2.37% | 4.90% | 7.95% | Beats 53% | 7 / 15 | ||
| Net Interest Margin | 6.09% | 3.53% | 4.50% | 4.86% | Beats 87% | 2 / 15 | ||
| Efficiency Ratio | 83.33% | 69.88% | 80.52% | 87.17% | Beats 40% | 10 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.06% | 0.45% | 1.49% | Beats 73% | 5 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.87% | 10.98% | 17.30% | 27.61% | Beats 60% | 6 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.87% | 10.98% | 17.30% | 27.61% | Beats 60% | 6 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.72% | 50.66% | 78.47% | 90.72% | 73rd pctl | 4 / 15 | ||
| Loans / Assets | 69.21% | 44.38% | 58.78% | 71.82% | 67th pctl | 5 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||