Two Rivers, WI · Charter 66447
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.70% | 3.98% | 3.02% | 0.59% | 0.55% | -515 bps | |
| Return on Equity | 52.62% | 37.13% | 28.78% | 5.63% | 5.42% | -4,719 bps | |
| Net Interest Margin | 3.59% | 3.62% | 3.63% | 3.71% | 3.65% | +6 bps | |
| Efficiency Ratio | 41.40% | 49.75% | 56.73% | 87.22% | 88.78% | +4,738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.49% | 14.30% | 17.38% | 9.96% | 13.24% | +275 bps | |
| Loan Growth (YoY) | 11.17% | 17.39% | 18.92% | 18.18% | 7.45% | -373 bps | |
| Share Growth (YoY) | 2.87% | 4.09% | 4.21% | 8.71% | 14.82% | +1,195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.82% | 0.88% | 0.44% | 0.38% | -7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.71% | 10.48% | 10.47% | 10.12% | -71 bps | |
| Net Worth / Assets | 10.84% | 10.71% | 10.48% | 10.47% | 10.12% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.19% | 97.58% | 98.65% | 93.84% | 88.14% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |