Manitowoc, WI · Charter 67248
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |