Madison, WI · Charter 67190
NCUA · 56 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
53
Profitability
64
Liquidity
11
Efficiency
86
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.
Madison, WI · Charter 67190
NCUA · 56 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 | 0.69% | 0.78% | 0.98% | 1.08% | 1.16% | 1.24% | 1.14% | 1.26% | +18 bps | |
| Return on Equity | 7.31% | 8.03% | 9.96% | 10.93% | 11.62% | 12.15% | 11.13% | 12.15% | +121 bps | |
| Net Interest Margin | 2.67% | 2.72% | 2.76% | 2.81% | 2.85% | 2.86% | 2.88% | 2.89% | +8 bps | |
| Efficiency Ratio | 61.93% | 61.99% | 62.15% | 61.80% | 60.65% | 59.38% | 62.68% | 60.36% | -144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 7.32% | 5.13% | 6.65% | 6.53% | 8.55% | 9.03% | 9.37% | +271 bps | |
| Loan Growth (YoY) | 4.47% | 5.59% | 7.05% | 7.51% | 8.38% | 8.53% | 10.02% | 12.12% | +462 bps | |
| Share Growth (YoY) | 11.60% | 8.86% | 6.47% | 8.22% | 7.94% | 9.54% | 9.34% | 9.75% | +153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.64% | 0.58% | 0.84% | 0.82% | 0.73% | 0.60% | 0.65% | -18 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 | 9.47% | 9.75% | 9.80% | 9.88% | 10.01% | 10.23% | 10.26% | 10.34% | +47 bps | |
| Net Worth / Assets | 9.47% | 9.75% | 9.80% | 9.88% | 10.01% | 10.23% | 10.26% | 10.34% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.32% | 101.00% | 98.70% | 98.72% | 98.72% | 100.06% | 99.32% | 100.85% | +213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, WI · Charter 67190 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 56 branches
Q2 2026
Return on Assets
1.26%
Rank 74 of 435
Net Interest Margin
2.89%
Rank 358 of 435
Efficiency Ratio
60.36%
Rank 61 of 435
Equity / Assets
10.34%
Rank 274 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.55% | 0.81% | 1.14% | Beats 83% | 74 / 435 | ||
| Return on Equity | 12.15% | 5.12% | 7.41% | 9.70% | Beats 91% | 40 / 435 | ||
| Net Interest Margin | 2.89% | 3.01% | 3.39% | 3.75% | Beats 18% | 358 / 435 | ||
| Efficiency Ratio | 60.36% | 65.25% | 71.39% | 77.86% | Beats 86% | 61 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.45% | 0.69% | 1.05% | Beats 53% | 207 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.34% | 9.81% | 10.84% | 12.63% | Beats 37% | 274 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.34% | 9.81% | 10.84% | 12.63% | Beats 37% | 274 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.85% | 78.33% | 88.38% | 95.61% | 88th pctl | 54 / 435 | ||
| Loans / Assets | 81.07% | 67.69% | 74.58% | 80.80% | 77th pctl | 101 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||