Milwaukee, WI · Charter 68044
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 in the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
13
Profitability
47
Liquidity
0
Efficiency
87
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.
Milwaukee, WI · Charter 68044
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 | 3.97% | 3.40% | 1.40% | 1.90% | 1.95% | 1.85% | 1.37% | 1.43% | -47 bps | |
| Return on Equity | 13.86% | 11.39% | 5.02% | 6.51% | 6.62% | 6.15% | 4.91% | 4.64% | -187 bps | |
| Net Interest Margin | 5.41% | 5.32% | 3.94% | 4.09% | 4.15% | 4.24% | 2.45% | 3.79% | -31 bps | |
| Efficiency Ratio | 27.81% | 37.07% | 65.05% | 54.33% | 53.89% | 57.16% | 45.00% | 62.96% | +864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | -7.81% | -17.14% | -7.63% | 3.19% | 5.63% | 6.73% | 0.24% | +787 bps | |
| Loan Growth (YoY) | 120.72% | 147.82% | 273% | 45.45% | 46.42% | 46.75% | 42.68% | 1.86% | -4,359 bps | |
| Share Growth (YoY) | 3.96% | -14.42% | -30.47% | -19.72% | -5.64% | -2.86% | 6.72% | -2.92% | +1,680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.32% | 0.82% | 0.00% | 0.00% | 2.95% | 1.93% | +111 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 | 3.31% | 3.30% | 2.76% | 2.09% | 2.26% | 2.25% | 1.94% | 2.05% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.64% | 29.85% | 27.95% | 29.25% | 29.53% | 30.11% | 27.90% | 30.81% | +156 bps | |
| Net Worth / Assets | 28.64% | 29.85% | 27.95% | 29.25% | 29.53% | 30.11% | 27.90% | 30.81% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.04% | 18.81% | 21.94% | 30.39% | 27.99% | 28.41% | 29.34% | 31.89% | +150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Milwaukee, WI · Charter 68044 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 4 of 15
Net Interest Margin
3.74%
Rank 11 of 15
Efficiency Ratio
64.29%
Rank 3 of 15
Equity / Assets
30.75%
Rank 3 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.50% | 0.76% | 1.34% | Beats 73% | 4 / 15 | ||
| Return on Equity | 4.35% | 2.37% | 4.90% | 7.95% | Beats 40% | 9 / 15 | ||
| Net Interest Margin | 3.74% | 3.53% | 4.50% | 4.86% | Beats 27% | 11 / 15 | ||
| Efficiency Ratio | 64.29% | 69.88% | 80.52% | 87.17% | Beats 87% | 3 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.01% | 0.06% | 0.45% | 1.49% | Beats 13% | 14 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.75% | 10.98% | 17.30% | 27.61% | Beats 80% | 3 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 30.75% | 10.98% | 17.30% | 27.61% | Beats 80% | 3 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.97% | 50.66% | 78.47% | 90.72% | 0th pctl | 15 / 15 | ||
| Loans / Assets | 19.92% | 44.38% | 58.78% | 71.82% | 0th pctl | 15 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||