PackageTrendsPeer
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Summit

Madison, WI · Charter 67190

NCUA · 56 branches

Q2 2026

$8.5BAssets
$6.9BLoans
$6.9BShares
$881.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.26%, up 18 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.65% of loans (-18 bps YoY).
  • Capital: net worth / assets of 10.34%, up 47 bps from a year ago.
  • Funding: loans stand at 100.85% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.26%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.89%+8 bps YoY

Efficiency Ratio (quarter, annualized)

60.36%-144 bps YoY

Net Worth / Assets

10.34%+47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.16%1.24%1.14%1.26%+18 bps
Return on Equity10.93%11.62%12.15%11.13%12.15%+121 bps
Net Interest Margin2.81%2.85%2.86%2.88%2.89%+8 bps
Efficiency Ratio61.80%60.65%59.38%62.68%60.36%-144 bps
Growth
Asset Growth (YoY)6.65%6.53%8.55%9.03%9.37%+271 bps
Loan Growth (YoY)7.51%8.38%8.53%10.02%12.12%+462 bps
Share Growth (YoY)8.22%7.94%9.54%9.34%9.75%+153 bps
Asset Quality
Delinquent Loans / Loans0.84%0.82%0.73%0.60%0.65%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.88%10.01%10.23%10.26%10.34%+47 bps
Net Worth / Assets9.88%10.01%10.23%10.26%10.34%+47 bps
Liquidity & Funding
Loans / Shares98.72%98.72%100.06%99.32%100.85%+213 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps