Manitowoc, WI · Charter 67248
NCUA · 7 branches
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
39
Asset Quality
77
Profitability
65
Liquidity
0
Efficiency
35
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.
Manitowoc, WI · Charter 67248
NCUA · 7 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 | 0.88% | 0.83% | 0.16% | 0.60% | 0.70% | 0.66% | 0.57% | 0.92% | +33 bps | |
| Return on Equity | 7.34% | 6.75% | 1.37% | 4.92% | 5.74% | 5.47% | 4.78% | 7.81% | +289 bps | |
| Net Interest Margin | 3.59% | 3.71% | 3.82% | 3.93% | 3.96% | 3.96% | 4.16% | 4.13% | +20 bps | |
| Efficiency Ratio | 84.89% | 85.34% | 85.95% | 83.59% | 83.45% | 85.03% | 89.13% | 82.99% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.54% | 1.39% | 1.64% | 2.38% | 3.46% | 7.07% | 6.66% | 9.47% | +709 bps | |
| Loan Growth (YoY) | 4.10% | 4.12% | 4.34% | 5.73% | 6.51% | 7.98% | 9.16% | 10.67% | +494 bps | |
| Share Growth (YoY) | 1.58% | 0.67% | 0.61% | 1.11% | -0.59% | 2.28% | 2.80% | 2.69% | +158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.27% | 0.07% | 0.21% | 0.10% | 0.32% | 0.09% | 0.24% | +3 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 | 12.03% | 12.23% | 11.97% | 12.13% | 12.25% | 12.03% | 11.88% | 11.82% | -30 bps | |
| Net Worth / Assets | 12.03% | 12.23% | 11.97% | 12.13% | 12.25% | 12.03% | 11.88% | 11.82% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.17% | 94.99% | 92.77% | 94.89% | 98.75% | 100.28% | 98.51% | 102.27% | +738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Manitowoc, WI · Charter 67248 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.92%
Rank 653 of 1,683
Net Interest Margin
4.13%
Rank 565 of 1,683
Efficiency Ratio
82.99%
Rank 1,087 of 1,682
Equity / Assets
11.82%
Rank 1,024 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 653 / 1,683 | ||
| Return on Equity | 7.81% | 2.67% | 5.89% | 8.74% | Beats 68% | 538 / 1,681 | ||
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 565 / 1,683 | ||
| Efficiency Ratio | 82.99% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,087 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 384 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.82% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,024 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.82% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,024 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.27% | 52.61% | 69.38% | 83.50% | 97th pctl | 43 / 1,683 | ||
| Loans / Assets | 82.99% | 44.71% | 59.18% | 70.72% | 95th pctl | 80 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||