PackageTrendsPeer
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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