Superior, WI · Charter 67173
NCUA · 12 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 | -0.56% | -0.98% | -0.94% | 0.02% | 0.21% | 0.31% | 0.38% | 0.48% | +45 bps | |
| Return on Equity | -7.22% | -13.34% | -13.24% | 0.33% | 2.76% | 4.12% | 5.16% | 6.33% | +600 bps | |
| Net Interest Margin | 2.80% | 2.85% | 2.99% | 3.27% | 3.33% | 3.31% | 3.04% | 3.07% | -20 bps | |
| Efficiency Ratio | 83.16% | 84.92% | 99.00% | 88.28% | 88.14% | 87.53% | 90.46% | 87.97% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.03% | -4.27% | -10.70% | -14.06% | -11.31% | -6.78% | -1.42% | 3.59% | +1,765 bps | |
| Loan Growth (YoY) | -3.78% | -7.15% | -11.92% | -13.00% | -10.21% | -10.15% | -10.84% | -10.51% | +249 bps | |
| Share Growth (YoY) | 1.15% | -0.55% | -8.54% | -11.98% | -11.50% | -6.51% | -0.33% | 4.19% | +1,617 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.24% | 1.12% | 0.71% | 0.52% | 0.54% | 0.42% | 0.57% | -13 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 | 7.72% | 7.35% | 7.09% | 7.26% | 7.46% | 7.43% | 7.44% | 7.54% | +28 bps | |
| Net Worth / Assets | 7.72% | 7.35% | 7.09% | 7.26% | 7.46% | 7.43% | 7.44% | 7.54% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.70% | 90.10% | 92.42% | 94.02% | 92.02% | 86.60% | 82.67% | 80.75% | -1,327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |