PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wisconsin Latvian, Inc.

Milwaukee, WI · Charter 66686

NCUA · 1 branch

Q2 2026

$3.2MAssets
$1.4MLoans
$2.8MShares
$309KNet 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 0.04%, down 41 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.77%, down 20 bps from a year ago.
  • Funding: loans stand at 49.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-3 bps YoY

Efficiency Ratio (YTD, annualized)

98.28%+1,628 bps YoY

Net Worth / Assets

9.77%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.48%0.03%0.06%0.04%-41 bps
Return on Equity4.51%4.63%0.32%0.62%0.42%-408 bps
Net Interest Margin2.42%2.42%2.37%2.49%2.39%-3 bps
Efficiency Ratio82.01%80.77%98.68%97.49%98.28%+1,628 bps
Growth
Asset Growth (YoY)-0.67%-1.02%1.48%-3.86%0.31%+98 bps
Loan Growth (YoY)-15.43%-13.69%-9.18%-8.02%-0.94%+1,448 bps
Share Growth (YoY)-0.46%-0.82%1.82%-4.02%0.65%+111 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.70%2.78%2.76%2.70%2.73%+3 bps
Capital
Risk-Based Capital9.97%10.27%9.99%10.10%9.77%-20 bps
Net Worth / Assets9.97%10.27%9.99%10.10%9.77%-20 bps
Liquidity & Funding
Loans / Shares50.04%49.54%49.90%51.61%49.25%-79 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps