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 | |