Westby, WI · Charter 67208
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |