Wisconsin’s 100 state-chartered credit unions and 117 state-chartered banks reported sound financial performance through the second quarter of 2025, according to data released Thursday by the Wisconsin Department of Financial Institutions (DFI).
At the end of the second quarter, total assets for Wisconsin’s state-chartered credit unions rose to $68.1 billion. This is an increase of $2.1 billion since year-end 2024.
Over the same time period, loans outstanding grew by $1.3 billion, and shares and deposits rose $1.5 billion. This resulted in a decrease to the loan-to-share ratio from 91.60% at year-end 2024 to 91.47%.
In the six months ending on June 30:
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Net worth to assets increased to 10.71%;
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Delinquent loan to total loan ratio was 0.72%, a decrease from the year-end ratio of 0.78%;
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Net income was strong at over $305.2 million, 0.91% return on average assets; and
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Growth ratios were all positive.
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Total assets for Wisconsin’s state-chartered banks, meanwhile, stood at $71.5 billion through June 30, up from $68.0 billion reported one year earlier.
The net interest margin improved to 3.47% compared to 3.15% in June 2024. Net loans increased by 4.49% to $52.1 billion, up by $2.2 billion over the same time.
In the 12 months ending on June 30:
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The capital ratio strengthened to 10.31%, an increase from 9.99%;
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The past due ratio rose to 0.99% from 0.83%;
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Net operating income improved to $392.5 million compared to $325.0 million;
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The return on average assets ratio expanded to 1.11% from 0.96%; and
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Bank liquidity remained stable, with a slight decline in the loans to assets ratio to 72.88% compared to 73.35%.
