Oakdale, WI · Charter 67200
NCUA · 3 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 | 2.28% | 2.24% | 2.08% | 2.11% | 2.07% | 2.00% | 2.93% | 2.29% | +18 bps | |
| Return on Equity | 20.18% | 19.40% | 17.65% | 17.30% | 16.61% | 15.78% | 22.84% | 17.16% | -13 bps | |
| Net Interest Margin | 4.15% | 4.05% | 3.97% | 4.00% | 3.97% | 3.88% | 3.62% | 3.70% | -30 bps | |
| Efficiency Ratio | 56.73% | 56.24% | 56.87% | 57.81% | 58.04% | 58.54% | 50.47% | 56.92% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | 5.97% | 6.60% | 5.83% | 9.23% | 8.44% | 10.74% | 8.34% | +251 bps | |
| Loan Growth (YoY) | 6.70% | 1.18% | -0.39% | -4.06% | -5.61% | -3.54% | -2.35% | -0.26% | +380 bps | |
| Share Growth (YoY) | 1.53% | 5.22% | 5.25% | 4.49% | 7.26% | 6.52% | 9.72% | 6.53% | +204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.16% | 0.11% | 0.10% | 0.09% | 0.00% | 0.00% | -11 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 | 11.32% | 11.55% | 11.81% | 12.19% | 12.46% | 12.65% | 12.84% | 13.35% | +116 bps | |
| Net Worth / Assets | 11.32% | 11.55% | 11.81% | 12.19% | 12.46% | 12.65% | 12.84% | 13.35% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.32% | 67.92% | 66.99% | 65.85% | 63.64% | 61.51% | 59.62% | 61.65% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |