Fond du Lac, WI · Charter 67176
NCUA · 1 branch
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 | 1.13% | 1.11% | 1.23% | 1.31% | 1.42% | 1.44% | 1.33% | 1.37% | +6 bps | |
| Return on Equity | 9.76% | 9.07% | 9.99% | 10.30% | 10.84% | 10.64% | 10.01% | 10.06% | -25 bps | |
| Net Interest Margin | 3.79% | 3.97% | 4.19% | 4.25% | 4.28% | 4.36% | 4.18% | 4.22% | -3 bps | |
| Efficiency Ratio | 73.15% | 74.66% | 74.77% | 71.18% | 69.95% | 68.95% | 74.71% | 72.39% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 1.56% | -0.10% | -0.72% | -1.70% | 0.77% | 3.37% | 4.58% | +531 bps | |
| Loan Growth (YoY) | -2.53% | -4.85% | -4.72% | -6.18% | -3.96% | -1.74% | 1.12% | 6.41% | +1,258 bps | |
| Share Growth (YoY) | 2.62% | 0.56% | -1.40% | -2.04% | -3.72% | -1.06% | 2.24% | 3.65% | +569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.87% | 0.17% | 0.18% | 0.33% | 0.30% | 0.24% | 0.35% | +17 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 | 11.60% | 12.19% | 12.31% | 12.75% | 13.09% | 13.54% | 13.33% | 13.62% | +87 bps | |
| Net Worth / Assets | 11.60% | 12.19% | 12.31% | 12.75% | 13.09% | 13.54% | 13.33% | 13.62% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.47% | 62.00% | 60.82% | 60.81% | 61.32% | 61.58% | 60.15% | 62.42% | +162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |