Southern Lakes
Kenosha, WI · Charter 66707 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$112.6MAssets
$67.2MLoans
$101.0MShares
$11.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 74% of credit unions under $1B in assets (rank 433 of 1683).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets (rank 1391 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.59%
Rank 1,023 of 1,683
Net Interest Margin
4.29%
Rank 433 of 1,683
Efficiency Ratio
88.87%
Rank 1,338 of 1,682
Equity / Assets
9.73%
Rank 1,391 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,023 / 1,683 | |
| Return on Equity | 6.04% | 2.67% | 5.89% | 8.74% | Beats 52% | 811 / 1,681 | |
| Net Interest Margin | 4.29% | 3.31% | 3.82% | 4.32% | Beats 74% | 433 / 1,683 | |
| Efficiency Ratio | 88.87% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,338 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 46% | 903 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,391 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.73% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,391 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 66.50% | 52.61% | 69.38% | 83.50% | 45th pctl | 934 / 1,683 | |
| Loans / Assets | 59.68% | 44.71% | 59.18% | 70.72% | 51st pctl | 825 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |