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Ripple

Oshkosh, WI · Charter 66683

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Ripple

Oshkosh, WI · Charter 66683

NCUA · 1 branch

Q2 2026

$38.9MAssets
$30.1MLoans
$33.1MShares
$5.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.98%, up 51 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.62% of loans (-62 bps YoY).
  • Capital: net worth / assets of 14.84%, up 73 bps from a year ago.
  • Funding: loans stand at 91.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-6 bps YoY

Efficiency Ratio (YTD, annualized)

63.71%-323 bps YoY

Net Worth / Assets

14.84%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.68%1.62%1.70%1.98%+51 bps
Return on Equity10.40%11.46%10.90%11.85%13.33%+293 bps
Net Interest Margin4.39%4.49%4.50%4.25%4.33%-6 bps
Efficiency Ratio66.94%64.62%65.98%64.67%63.71%-323 bps
Growth
Asset Growth (YoY)2.82%2.37%1.53%6.03%7.49%+467 bps
Loan Growth (YoY)7.44%11.38%10.57%12.27%4.91%-253 bps
Share Growth (YoY)1.91%0.83%-0.06%4.88%6.36%+445 bps
Asset Quality
Delinquent Loans / Loans1.24%0.63%0.92%0.75%0.62%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.11%14.64%14.84%14.34%14.84%+73 bps
Net Worth / Assets14.11%14.64%14.84%14.34%14.84%+73 bps
Liquidity & Funding
Loans / Shares92.36%96.02%96.85%91.24%91.11%-125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Ripple

Oshkosh, WI · Charter 66683 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$38.9MAssets
$30.1MLoans
$33.1MShares
$5.8MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 81 of 1683).
  • Widest gap: nonperforming loans / loans trails 48% of credit unions under $1B in assets (rank 816 of 1682).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.98%

Rank 81 of 1,683

Net Interest Margin

4.33%

Rank 413 of 1,683

Efficiency Ratio

63.64%

Rank 259 of 1,682

Equity / Assets

14.84%

Rank 566 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.98%0.35%0.74%1.18%Beats 95%81 / 1,683
Return on Equity13.31%2.67%5.89%8.74%Beats 95%83 / 1,681
Net Interest Margin4.33%3.31%3.82%4.32%Beats 75%413 / 1,683
Efficiency Ratio63.64%68.91%78.20%86.93%Beats 85%259 / 1,682
Asset Quality
Nonperforming Loans / Loans0.62%0.26%0.65%1.29%Beats 52%816 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.84%10.44%12.89%16.53%Beats 66%566 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.84%10.44%12.89%16.53%Beats 66%566 / 1,683
Liquidity & Funding
Loans / Deposits91.11%52.61%69.38%83.50%88th pctl198 / 1,683
Loans / Assets77.47%44.71%59.18%70.72%88th pctl207 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution