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 | |