Wagner, SD · Charter 7067
NCUA · 3 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
79
Asset Quality
29
Profitability
70
Liquidity
86
Efficiency
69
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.
Wagner, SD · Charter 7067
NCUA · 3 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 | 3.90% | 2.35% | 3.48% | 1.24% | 7.61% | 6.83% | 1.73% | 1.04% | -20 bps | |
| Return on Equity | 37.38% | 22.17% | 30.90% | 10.42% | 47.16% | 40.52% | 10.11% | 5.93% | -449 bps | |
| Net Interest Margin | 4.63% | 4.49% | 4.87% | 5.23% | 4.96% | 4.78% | 5.05% | 5.31% | +8 bps | |
| Efficiency Ratio | 48.29% | 48.58% | 68.36% | 70.33% | 42.64% | 42.78% | 71.91% | 71.76% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.90% | 7.63% | 8.61% | 5.08% | 3.49% | 4.83% | 4.25% | 4.17% | -91 bps | |
| Loan Growth (YoY) | 13.08% | 14.68% | 16.05% | 14.29% | 15.64% | 9.55% | 7.73% | 3.86% | -1,042 bps | |
| Share Growth (YoY) | 7.45% | 8.38% | 8.98% | 4.72% | 0.12% | 4.57% | 4.28% | 4.27% | -46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.66% | 0.58% | 0.13% | 0.34% | 0.94% | 0.95% | 1.12% | +98 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 | 10.44% | 10.58% | 11.28% | 11.91% | 16.13% | 16.85% | 17.15% | 17.52% | +561 bps | |
| Net Worth / Assets | 10.44% | 10.58% | 11.28% | 11.91% | 16.13% | 16.85% | 17.15% | 17.52% | +561 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.80% | 68.14% | 69.22% | 72.87% | 78.31% | 71.38% | 71.51% | 72.59% | -28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wagner, SD · Charter 7067 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.04%
Rank 559 of 1,683
Net Interest Margin
5.31%
Rank 96 of 1,683
Efficiency Ratio
71.77%
Rank 528 of 1,682
Equity / Assets
17.52%
Rank 359 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 559 / 1,683 | ||
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 838 / 1,681 | ||
| Net Interest Margin | 5.31% | 3.31% | 3.82% | 4.32% | Beats 94% | 96 / 1,683 | ||
| Efficiency Ratio | 71.77% | 68.91% | 78.20% | 86.93% | Beats 69% | 528 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,188 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.52% | 10.44% | 12.89% | 16.53% | Beats 79% | 359 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.52% | 10.44% | 12.89% | 16.53% | Beats 79% | 359 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.59% | 52.61% | 69.38% | 83.50% | 56th pctl | 740 / 1,683 | ||
| Loans / Assets | 59.81% | 44.71% | 59.18% | 70.72% | 51st pctl | 818 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||