PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Park City

Merrill, WI · Charter 67196

NCUA · 5 branches

Q2 2026

$397.4MAssets
$314.7MLoans
$339.0MShares
$39.4MNet 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 0.82%, up 12 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.36% of loans (-8 bps YoY).
  • Capital: net worth / assets of 9.92%, up 27 bps from a year ago.
  • Funding: loans stand at 92.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+4 bps YoY

Efficiency Ratio (YTD, annualized)

76.54%+35 bps YoY

Net Worth / Assets

9.92%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.79%0.84%0.76%0.82%+12 bps
Return on Equity7.26%8.04%8.47%7.72%8.25%+98 bps
Net Interest Margin3.20%3.23%3.23%3.29%3.24%+4 bps
Efficiency Ratio76.20%76.01%75.33%74.84%76.54%+35 bps
Growth
Asset Growth (YoY)5.65%5.56%6.52%5.83%6.95%+131 bps
Loan Growth (YoY)11.03%13.83%10.83%10.18%13.11%+208 bps
Share Growth (YoY)6.60%5.88%6.53%5.25%6.14%-46 bps
Asset Quality
Delinquent Loans / Loans0.44%0.56%0.42%0.46%0.36%-8 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 Capital9.64%9.80%9.91%9.88%9.92%+27 bps
Net Worth / Assets9.64%9.80%9.91%9.88%9.92%+27 bps
Liquidity & Funding
Loans / Shares87.11%88.01%87.97%88.10%92.82%+572 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps