Westby, WI · Charter 67208
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
12
Profitability
66
Liquidity
80
Efficiency
71
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.
Westby, WI · Charter 67208
NCUA · 12 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 | 0.87% | 0.88% | 1.43% | 1.20% | 1.26% | 1.12% | 1.32% | 1.23% | +3 bps | |
| Return on Equity | 5.78% | 5.75% | 9.40% | 7.84% | 8.08% | 7.27% | 8.41% | 7.86% | +2 bps | |
| Net Interest Margin | 3.39% | 3.16% | 3.41% | 3.43% | 3.47% | 3.42% | 3.57% | 3.54% | +11 bps | |
| Efficiency Ratio | 71.42% | 69.27% | 66.84% | 68.19% | 67.29% | 67.56% | 65.60% | 66.50% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 3.88% | 4.89% | 4.70% | 4.76% | 5.07% | 4.45% | 5.68% | +98 bps | |
| Loan Growth (YoY) | -0.30% | -1.17% | -0.58% | 0.51% | -0.17% | 0.04% | 0.66% | -0.41% | -93 bps | |
| Share Growth (YoY) | 6.44% | 5.70% | 7.14% | 5.34% | 3.88% | 4.78% | 3.74% | 6.18% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.03% | 0.80% | 1.12% | 1.60% | 1.53% | 1.32% | 1.44% | +31 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 | 15.00% | 15.37% | 15.22% | 15.32% | 15.61% | 15.43% | 15.67% | 15.64% | +31 bps | |
| Net Worth / Assets | 15.00% | 15.37% | 15.22% | 15.32% | 15.61% | 15.43% | 15.67% | 15.64% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.13% | 90.30% | 89.12% | 89.31% | 88.54% | 86.22% | 86.47% | 83.76% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Westby, WI · Charter 67208 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
1.23%
Rank 76 of 435
Net Interest Margin
3.54%
Rank 170 of 435
Efficiency Ratio
66.50%
Rank 127 of 435
Equity / Assets
15.64%
Rank 27 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.55% | 0.81% | 1.14% | Beats 83% | 76 / 435 | ||
| Return on Equity | 7.86% | 5.12% | 7.41% | 9.70% | Beats 54% | 200 / 435 | ||
| Net Interest Margin | 3.54% | 3.01% | 3.39% | 3.75% | Beats 61% | 170 / 435 | ||
| Efficiency Ratio | 66.50% | 65.25% | 71.39% | 77.86% | Beats 71% | 127 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.44% | 0.45% | 0.69% | 1.05% | Beats 12% | 384 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.64% | 9.81% | 10.84% | 12.63% | Beats 94% | 27 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.64% | 9.81% | 10.84% | 12.63% | Beats 94% | 27 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.76% | 78.33% | 88.38% | 95.61% | 37th pctl | 273 / 435 | ||
| Loans / Assets | 68.90% | 67.69% | 74.58% | 80.80% | 29th pctl | 310 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||