Wisconsin Rapid, WI · Charter 66547
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
34
Liquidity
0
Efficiency
2
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.
Wisconsin Rapid, WI · Charter 66547
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.01% | -0.63% | -0.62% | 0.08% | -0.02% | -2.78% | -2.15% | -153 bps | |
| Return on Equity | -0.53% | 0.06% | -3.36% | -3.20% | 0.42% | -0.10% | -12.26% | -8.24% | -504 bps | |
| Net Interest Margin | 4.13% | 4.42% | 4.08% | 4.24% | 4.07% | 4.60% | 4.62% | 5.51% | +127 bps | |
| Efficiency Ratio | 102.16% | 99.76% | 115.30% | 114.43% | 110.86% | 100.45% | 160.12% | 138.91% | +2,448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.02% | -11.43% | -13.35% | -15.81% | -9.52% | -13.72% | -19.91% | -28.05% | -1,224 bps | |
| Loan Growth (YoY) | -0.03% | -8.05% | -17.43% | -20.52% | -19.79% | -17.84% | -15.25% | -21.55% | -103 bps | |
| Share Growth (YoY) | -9.48% | -13.61% | -16.01% | -18.74% | -11.81% | -16.70% | -23.89% | -34.07% | -1,533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.47% | 0.52% | 0.56% | 0.59% | 0.12% | 0.13% | 0.14% | 0.16% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.02% | 18.07% | 18.61% | 19.25% | 18.95% | 20.92% | 22.71% | 26.09% | +683 bps | |
| Net Worth / Assets | 17.02% | 18.07% | 18.61% | 19.25% | 18.95% | 20.92% | 22.71% | 26.09% | +683 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.93% | 111.40% | 107.76% | 107.38% | 105.43% | 109.86% | 119.99% | 127.78% | +2,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wisconsin Rapid, WI · Charter 66547 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
-2.08%
Rank 1,632 of 1,659
Net Interest Margin
5.65%
Rank 69 of 1,658
Efficiency Ratio
136.84%
Rank 1,632 of 1,656
Equity / Assets
26.15%
Rank 85 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.08% | 0.35% | 0.78% | 1.25% | Beats 2% | 1,632 / 1,659 | ||
| Return on Equity | -7.95% | 2.75% | 6.06% | 9.41% | Beats 4% | 1,599 / 1,657 | ||
| Net Interest Margin | 5.65% | 3.20% | 3.76% | 4.33% | Beats 96% | 69 / 1,658 | ||
| Efficiency Ratio | 136.84% | 67.69% | 77.34% | 85.79% | Beats 2% | 1,632 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.65% | 1.35% | Beats 100% | 140 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.09% | 10.20% | 12.57% | 16.16% | Beats 95% | 88 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.15% | 10.20% | 12.57% | 16.15% | Beats 95% | 85 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 127.78% | 54.91% | 71.55% | 84.72% | 100th pctl | 5 / 1,658 | ||
| Loans / Assets | 94.35% | 46.17% | 60.56% | 71.91% | 100th pctl | 2 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||