PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Glacier Hills

West Bend, WI · Charter 67238

NCUA · 4 branches

Q2 2026

$285.8MAssets
$205.3MLoans
$250.7MShares
$31.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, up 14 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.91% of loans (+27 bps YoY).
  • Capital: net worth / assets of 10.98%, up 67 bps from a year ago.
  • Funding: loans stand at 81.86% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.17%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+20 bps YoY

Efficiency Ratio (YTD, annualized)

69.89%-220 bps YoY

Net Worth / Assets

10.98%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.05%0.91%1.03%1.11%1.14%0.99%1.17%+14 bps
Return on Equity10.10%10.21%8.96%9.96%10.38%10.56%9.26%10.66%+71 bps
Net Interest Margin2.97%3.06%3.27%3.33%3.45%3.45%3.43%3.53%+20 bps
Efficiency Ratio69.89%69.15%73.80%72.09%70.38%68.45%72.76%69.89%-220 bps
Growth
Asset Growth (YoY)11.91%9.82%7.63%5.80%3.59%5.90%6.28%5.32%-48 bps
Loan Growth (YoY)8.45%10.03%14.15%12.44%11.58%8.47%5.07%6.12%-632 bps
Share Growth (YoY)11.88%9.92%7.55%5.56%3.13%5.41%5.94%4.13%-143 bps
Asset Quality
Delinquent Loans / Loans0.67%0.60%0.71%0.64%0.59%0.69%0.77%0.91%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.92%10.24%10.17%10.31%10.69%10.80%10.71%10.98%+67 bps
Net Worth / Assets9.92%10.24%10.17%10.31%10.69%10.80%10.71%10.98%+67 bps
Liquidity & Funding
Loans / Shares75.23%79.52%79.91%80.32%81.40%81.83%79.25%81.86%+154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps