Beloit, WI · Charter 67214
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.52% | 0.62% | 0.80% | 0.93% | +38 bps | |
| Return on Equity | 5.19% | 5.06% | 6.10% | 7.83% | 8.66% | +347 bps | |
| Net Interest Margin | 3.28% | 3.32% | 3.26% | 3.34% | 3.51% | +23 bps | |
| Efficiency Ratio | 73.09% | 73.82% | 73.06% | 78.92% | 75.82% | +273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.20% | 7.69% | 10.74% | 9.67% | 5.48% | -572 bps | |
| Loan Growth (YoY) | 13.32% | 10.52% | 10.89% | 9.49% | 7.78% | -554 bps | |
| Share Growth (YoY) | 12.76% | 8.28% | 11.88% | 10.58% | 5.40% | -736 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.52% | 0.68% | 0.66% | 0.77% | +5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.57% | 10.33% | 10.17% | 10.18% | 10.71% | +13 bps | |
| Net Worth / Assets | 10.57% | 10.33% | 10.17% | 10.18% | 10.71% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.95% | 105.40% | 102.15% | 101.26% | 107.32% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |