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 | |