Merrill, WI · Charter 67196
NCUA · 5 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
19
Asset Quality
69
Profitability
49
Liquidity
0
Efficiency
55
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.
Merrill, WI · Charter 67196
NCUA · 5 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 | 0.78% | 0.85% | 0.62% | 0.70% | 0.79% | 0.84% | 0.76% | 0.82% | +12 bps | |
| Return on Equity | 8.25% | 8.81% | 6.48% | 7.26% | 8.04% | 8.47% | 7.72% | 8.25% | +98 bps | |
| Net Interest Margin | 3.12% | 3.18% | 3.14% | 3.20% | 3.23% | 3.23% | 3.29% | 3.24% | +4 bps | |
| Efficiency Ratio | 77.90% | 76.64% | 77.32% | 76.20% | 76.01% | 75.33% | 74.84% | 76.54% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.75% | 2.97% | 5.12% | 5.65% | 5.56% | 6.52% | 5.83% | 6.95% | +131 bps | |
| Loan Growth (YoY) | -6.16% | -1.77% | 3.64% | 11.03% | 13.83% | 10.83% | 10.18% | 13.11% | +208 bps | |
| Share Growth (YoY) | 1.48% | 3.51% | 5.51% | 6.60% | 5.88% | 6.53% | 5.25% | 6.14% | -46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.61% | 0.42% | 0.44% | 0.56% | 0.42% | 0.46% | 0.36% | -8 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 | 9.44% | 9.65% | 9.52% | 9.64% | 9.80% | 9.91% | 9.88% | 9.92% | +27 bps | |
| Net Worth / Assets | 9.44% | 9.65% | 9.52% | 9.64% | 9.80% | 9.91% | 9.88% | 9.92% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.86% | 84.56% | 84.16% | 87.11% | 88.01% | 87.97% | 88.10% | 92.82% | +572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Merrill, WI · Charter 67196 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.82%
Rank 764 of 1,683
Net Interest Margin
3.24%
Rank 1,317 of 1,683
Efficiency Ratio
76.55%
Rank 755 of 1,682
Equity / Assets
9.92%
Rank 1,362 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 764 / 1,683 | ||
| Return on Equity | 8.25% | 2.67% | 5.89% | 8.74% | Beats 71% | 481 / 1,681 | ||
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,317 / 1,683 | ||
| Efficiency Ratio | 76.55% | 68.91% | 78.20% | 86.93% | Beats 55% | 755 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 69% | 527 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,362 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.92% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,362 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.82% | 52.61% | 69.38% | 83.50% | 91st pctl | 157 / 1,683 | ||
| Loans / Assets | 79.19% | 44.71% | 59.18% | 70.72% | 91st pctl | 159 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||