Athens, WI · Charter 67243
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
51
Profitability
57
Liquidity
6
Efficiency
89
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Athens, WI · Charter 67243
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 | 1.27% | 1.22% | 1.53% | 1.44% | 1.49% | 1.45% | 1.29% | 1.25% | -20 bps | |
| Return on Equity | 10.62% | 9.88% | 12.09% | 11.44% | 11.55% | 11.29% | 9.79% | 9.34% | -210 bps | |
| Net Interest Margin | 2.84% | 2.96% | 3.10% | 3.10% | 3.14% | 3.09% | 2.99% | 2.98% | -12 bps | |
| Efficiency Ratio | 59.70% | 59.67% | 57.48% | 58.23% | 57.47% | 57.97% | 61.41% | 60.27% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | -3.41% | -1.90% | 2.79% | 3.24% | 7.66% | 7.61% | 4.91% | +212 bps | |
| Loan Growth (YoY) | 0.11% | 0.80% | 3.03% | 0.64% | -3.97% | -4.28% | -1.39% | 0.45% | -19 bps | |
| Share Growth (YoY) | -0.61% | -3.89% | -4.15% | 2.40% | 2.02% | 5.87% | 7.79% | 4.09% | +169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.56% | 0.46% | 0.33% | 0.67% | 0.69% | 0.71% | 0.63% | +30 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 | 11.98% | 12.33% | 12.67% | 12.62% | 12.91% | 12.86% | 13.14% | 13.35% | +73 bps | |
| Net Worth / Assets | 11.98% | 12.33% | 12.67% | 12.62% | 12.91% | 12.86% | 13.14% | 13.35% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.69% | 43.45% | 43.42% | 42.15% | 41.12% | 39.28% | 39.73% | 40.68% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Athens, WI · Charter 67243 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.25%
Rank 376 of 1,683
Net Interest Margin
2.98%
Rank 1,465 of 1,683
Efficiency Ratio
60.26%
Rank 189 of 1,682
Equity / Assets
13.35%
Rank 765 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.35% | 0.74% | 1.18% | Beats 78% | 376 / 1,683 | ||
| Return on Equity | 9.34% | 2.67% | 5.89% | 8.74% | Beats 79% | 348 / 1,681 | ||
| Net Interest Margin | 2.98% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,465 / 1,683 | ||
| Efficiency Ratio | 60.26% | 68.91% | 78.20% | 86.93% | Beats 89% | 189 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.26% | 0.65% | 1.29% | Beats 51% | 821 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.35% | 10.44% | 12.89% | 16.53% | Beats 55% | 765 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.35% | 10.44% | 12.89% | 16.53% | Beats 55% | 765 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.68% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,488 / 1,683 | ||
| Loans / Assets | 35.02% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,467 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||