Superior, WI · Charter 67237
NCUA · 1 branch
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 | 0.20% | 0.09% | -0.22% | -0.06% | 0.10% | 0.00% | 0.10% | 0.15% | +20 bps | |
| Return on Equity | 1.21% | 0.55% | -1.37% | -0.35% | 0.64% | 0.02% | 0.58% | 0.89% | +124 bps | |
| Net Interest Margin | 3.86% | 3.75% | 3.93% | 3.97% | 3.97% | 3.97% | 4.19% | 4.11% | +14 bps | |
| Efficiency Ratio | 95.53% | 97.59% | 101.52% | 99.93% | 97.08% | 99.22% | 96.49% | 96.61% | -331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 6.03% | -2.70% | -0.40% | 1.04% | -3.35% | -2.86% | 0.71% | +111 bps | |
| Loan Growth (YoY) | 1.83% | 2.93% | -2.63% | -4.46% | -7.33% | -9.14% | -4.89% | -1.01% | +345 bps | |
| Share Growth (YoY) | 6.59% | 6.66% | -3.97% | -0.96% | 0.67% | -4.66% | -4.44% | -0.29% | +67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.42% | 0.43% | 0.50% | 0.43% | 0.43% | 0.46% | 0.49% | 0.46% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.34% | 15.94% | 16.05% | 16.51% | 16.19% | 16.50% | 16.61% | 16.50% | -1 bps | |
| Net Worth / Assets | 16.34% | 15.94% | 16.05% | 16.51% | 16.19% | 16.50% | 16.61% | 16.50% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.24% | 104.26% | 101.22% | 103.54% | 96.87% | 99.36% | 100.73% | 102.79% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |