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Dairyland Power

La Crosse, WI · Charter 66665

NCUA · 1 branch

Q1 2026

$20.6MAssets
$14.6MLoans
$17.1MShares
$3.4MNet Worth

Executive Summary

  • Earnings: ROA of -24.40%, down 2,599 bps year over year; NIM at -21.79%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY).
  • Capital: net worth / assets of 16.47%, down 494 bps from a year ago.
  • Funding: loans stand at 85.53% of shares as of Q1 2026.

Return on Assets (quarter, annualized)

-24.40%-2,599 bps YoY

Net Interest Margin (quarter, annualized)

-21.79%-2,573 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

16.47%-494 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.88%1.90%1.59%1.93%2.00%2.08%-24.40%-2,599 bps
Return on Equity8.48%9.04%8.83%7.44%8.79%9.01%9.07%-148.19%-15,563 bps
Net Interest Margin3.78%3.94%4.04%3.94%4.08%4.11%4.19%-21.79%-2,573 bps
Efficiency Ratio57.74%54.74%54.43%60.60%55.70%53.08%52.10%n/an/a
Growth
Asset Growth (YoY)0.83%-2.05%-1.13%1.37%-0.03%3.34%3.27%2.38%+101 bps
Loan Growth (YoY)-5.96%-3.59%-4.51%-1.92%-2.75%-0.17%-0.63%0.65%+256 bps
Share Growth (YoY)-1.46%-4.95%-4.03%-0.99%-2.86%1.45%1.33%8.48%+947 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.00%0.23%0.00%0.00%0.00%0.00%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.88%20.81%21.48%21.40%21.93%22.16%22.88%16.47%-494 bps
Net Worth / Assets19.88%20.81%21.48%21.40%21.93%22.16%22.88%16.47%-494 bps
Liquidity & Funding
Loans / Shares94.32%96.50%95.93%92.19%94.43%94.96%94.07%85.53%-666 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps