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 | |