Park Falls, WI · Charter 67240
NCUA · 2 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 | 0.73% | 0.69% | 0.71% | 0.81% | 0.87% | 0.63% | 0.33% | 0.44% | -36 bps | |
| Return on Equity | 7.19% | 6.90% | 7.24% | 7.68% | 8.09% | 5.89% | 3.08% | 4.07% | -361 bps | |
| Net Interest Margin | 3.78% | 3.72% | 3.72% | 3.99% | 4.08% | 4.13% | 4.04% | 4.08% | +10 bps | |
| Efficiency Ratio | 81.68% | 81.02% | 82.62% | 83.19% | 81.98% | 82.33% | 84.95% | 85.64% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | 6.08% | 8.64% | 2.84% | 1.74% | -1.94% | -4.14% | 0.13% | -272 bps | |
| Loan Growth (YoY) | -9.77% | -14.19% | -13.81% | -14.23% | -13.29% | -12.34% | -12.44% | -7.55% | +668 bps | |
| Share Growth (YoY) | -1.11% | 5.86% | 8.21% | 1.67% | 0.82% | -2.90% | -5.07% | -0.18% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.85% | 1.01% | 0.70% | 0.82% | 0.82% | 0.75% | 0.58% | -12 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 | 10.18% | 9.93% | 9.78% | 10.49% | 10.74% | 10.69% | 10.65% | 10.86% | +36 bps | |
| Net Worth / Assets | 10.18% | 9.93% | 9.78% | 10.49% | 10.74% | 10.69% | 10.65% | 10.86% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.15% | 66.30% | 62.02% | 63.38% | 62.05% | 59.85% | 57.20% | 58.70% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |