Wisconsin Rapid, WI · Charter 66633
NCUA · 2 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
84
Asset Quality
79
Profitability
77
Liquidity
35
Efficiency
89
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 66633
NCUA · 2 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 | 1.17% | 1.25% | 1.33% | 1.44% | 1.59% | 1.66% | 1.69% | 1.82% | +38 bps | |
| Return on Equity | 6.81% | 7.35% | 7.70% | 8.26% | 8.70% | 9.00% | 8.92% | 9.49% | +123 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.49% | 3.58% | 3.75% | 3.77% | 3.92% | 3.97% | +39 bps | |
| Efficiency Ratio | 69.27% | 67.38% | 65.46% | 64.83% | 63.62% | 63.03% | 62.15% | 60.55% | -428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | 0.08% | 1.71% | 2.60% | 2.79% | 0.90% | 0.46% | 0.51% | -209 bps | |
| Loan Growth (YoY) | 4.16% | 2.77% | 1.02% | -1.93% | -0.71% | -0.76% | -0.85% | 3.12% | +505 bps | |
| Share Growth (YoY) | 2.34% | 4.23% | 3.33% | 3.09% | 1.37% | -1.50% | -1.82% | -2.02% | -511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.36% | 0.21% | 0.15% | 0.13% | 0.17% | 0.14% | 0.21% | +6 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 | 17.13% | 16.96% | 17.23% | 17.48% | 18.26% | 18.47% | 18.91% | 19.23% | +176 bps | |
| Net Worth / Assets | 17.13% | 16.96% | 17.23% | 17.48% | 18.26% | 18.47% | 18.91% | 19.23% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.92% | 81.43% | 81.36% | 79.93% | 83.18% | 82.04% | 82.16% | 84.13% | +420 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 66633 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.82%
Rank 115 of 1,683
Net Interest Margin
3.97%
Rank 695 of 1,683
Efficiency Ratio
60.54%
Rank 191 of 1,682
Equity / Assets
19.23%
Rank 263 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 0.35% | 0.74% | 1.18% | Beats 93% | 115 / 1,683 | ||
| Return on Equity | 9.49% | 2.67% | 5.89% | 8.74% | Beats 80% | 329 / 1,681 | ||
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 695 / 1,683 | ||
| Efficiency Ratio | 60.54% | 68.91% | 78.20% | 86.93% | Beats 89% | 191 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.26% | 0.65% | 1.29% | Beats 79% | 353 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.23% | 10.44% | 12.89% | 16.53% | Beats 84% | 263 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.23% | 10.44% | 12.89% | 16.53% | Beats 84% | 263 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.13% | 52.61% | 69.38% | 83.50% | 76th pctl | 401 / 1,683 | ||
| Loans / Assets | 66.77% | 44.71% | 59.18% | 70.72% | 66th pctl | 572 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||