PackageTrendsPeer
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Oakdale

Oakdale, WI · Charter 67200

NCUA · 3 branches

Q2 2026

$132.4MAssets
$69.6MLoans
$112.8MShares
$17.7MNet 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 2.29%, up 18 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (-11 bps YoY).
  • Capital: net worth / assets of 13.35%, up 116 bps from a year ago.
  • Funding: loans stand at 61.65% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.29%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-30 bps YoY

Efficiency Ratio (YTD, annualized)

56.92%-89 bps YoY

Net Worth / Assets

13.35%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%2.07%2.00%2.93%2.29%+18 bps
Return on Equity17.30%16.61%15.78%22.84%17.16%-13 bps
Net Interest Margin4.00%3.97%3.88%3.62%3.70%-30 bps
Efficiency Ratio57.81%58.04%58.54%50.47%56.92%-89 bps
Growth
Asset Growth (YoY)5.83%9.23%8.44%10.74%8.34%+251 bps
Loan Growth (YoY)-4.06%-5.61%-3.54%-2.35%-0.26%+380 bps
Share Growth (YoY)4.49%7.26%6.52%9.72%6.53%+204 bps
Asset Quality
Delinquent Loans / Loans0.11%0.10%0.09%0.00%0.00%-11 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 Capital12.19%12.46%12.65%12.84%13.35%+116 bps
Net Worth / Assets12.19%12.46%12.65%12.84%13.35%+116 bps
Liquidity & Funding
Loans / Shares65.85%63.64%61.51%59.62%61.65%-420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps