Fort Atkinson, WI · Charter 67184
NCUA · 6 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
19
Profitability
38
Liquidity
5
Efficiency
71
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.
Fort Atkinson, WI · Charter 67184
NCUA · 6 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 | 0.91% | 0.43% | 0.53% | 0.83% | 0.71% | 0.73% | 0.21% | 0.62% | -21 bps | |
| Return on Equity | 7.00% | 3.45% | 4.26% | 6.62% | 5.64% | 5.75% | 1.67% | 5.25% | -137 bps | |
| Net Interest Margin | 3.02% | 2.98% | 3.07% | 3.14% | 3.25% | 3.26% | 3.58% | 3.41% | +27 bps | |
| Efficiency Ratio | 73.23% | 82.85% | 77.98% | 75.92% | 76.60% | 76.40% | 74.95% | 70.72% | -520 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 6.16% | 9.25% | 7.58% | 5.66% | 5.65% | 6.42% | 13.10% | +552 bps | |
| Loan Growth (YoY) | 3.24% | 5.25% | 2.94% | 4.26% | 8.18% | 7.85% | 15.69% | 18.88% | +1,462 bps | |
| Share Growth (YoY) | 5.16% | 8.08% | 9.30% | 7.37% | 5.70% | 4.21% | 3.89% | 4.63% | -275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.22% | 1.05% | 1.61% | 1.28% | 1.97% | 1.45% | 1.59% | -2 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 | 13.03% | 12.54% | 12.37% | 12.53% | 12.64% | 12.66% | 12.30% | 11.73% | -81 bps | |
| Net Worth / Assets | 13.03% | 12.54% | 12.37% | 12.53% | 12.64% | 12.66% | 12.30% | 11.73% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.40% | 80.13% | 79.05% | 80.02% | 83.31% | 82.93% | 88.04% | 90.92% | +1,090 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Atkinson, WI · Charter 67184 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.62%
Rank 995 of 1,683
Net Interest Margin
3.41%
Rank 1,194 of 1,683
Efficiency Ratio
70.72%
Rank 491 of 1,682
Equity / Assets
11.73%
Rank 1,038 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 995 / 1,683 | ||
| Return on Equity | 5.25% | 2.67% | 5.89% | 8.74% | Beats 44% | 933 / 1,681 | ||
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,194 / 1,683 | ||
| Efficiency Ratio | 70.72% | 68.91% | 78.20% | 86.93% | Beats 71% | 491 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,359 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,038 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,038 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.92% | 52.61% | 69.38% | 83.50% | 88th pctl | 208 / 1,683 | ||
| Loans / Assets | 68.82% | 44.71% | 59.18% | 70.72% | 71st pctl | 489 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||