PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Athens Area

Athens, WI · Charter 67243

NCUA · 1 branch

Q2 2026

$49.9MAssets
$17.5MLoans
$42.9MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.25%, down 20 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.63% of loans (+30 bps YoY).
  • Capital: net worth / assets of 13.35%, up 73 bps from a year ago.
  • Funding: loans stand at 40.68% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.25%-20 bps YoY

Net Interest Margin (quarter, annualized)

2.98%-12 bps YoY

Efficiency Ratio (quarter, annualized)

60.27%+204 bps YoY

Net Worth / Assets

13.35%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.49%1.45%1.29%1.25%-20 bps
Return on Equity11.44%11.55%11.29%9.79%9.34%-210 bps
Net Interest Margin3.10%3.14%3.09%2.99%2.98%-12 bps
Efficiency Ratio58.23%57.47%57.97%61.41%60.27%+204 bps
Growth
Asset Growth (YoY)2.79%3.24%7.66%7.61%4.91%+212 bps
Loan Growth (YoY)0.64%-3.97%-4.28%-1.39%0.45%-19 bps
Share Growth (YoY)2.40%2.02%5.87%7.79%4.09%+169 bps
Asset Quality
Delinquent Loans / Loans0.33%0.67%0.69%0.71%0.63%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.62%12.91%12.86%13.14%13.35%+73 bps
Net Worth / Assets12.62%12.91%12.86%13.14%13.35%+73 bps
Liquidity & Funding
Loans / Shares42.15%41.12%39.28%39.73%40.68%-147 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps