PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Lakes

Kenosha, WI · Charter 66707

NCUA · 3 branches

Q2 2026

$112.6MAssets
$67.2MLoans
$101.0MShares
$11.0MNet 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 0.59%, up 13 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.73% of loans (-15 bps YoY).
  • Capital: net worth / assets of 9.73%, up 9 bps from a year ago.
  • Funding: loans stand at 66.50% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.30%-11 bps YoY

Efficiency Ratio (quarter, annualized)

88.86%+1,030 bps YoY

Net Worth / Assets

9.73%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.53%0.45%0.93%0.59%+13 bps
Return on Equity4.75%5.39%4.65%9.65%6.05%+130 bps
Net Interest Margin4.41%4.48%4.45%4.33%4.30%-11 bps
Efficiency Ratio78.55%79.46%79.10%89.20%88.86%+1,030 bps
Growth
Asset Growth (YoY)2.49%3.41%4.02%4.64%4.46%+197 bps
Loan Growth (YoY)2.84%0.48%0.73%-2.92%-6.30%-915 bps
Share Growth (YoY)3.55%2.76%3.72%4.51%4.26%+70 bps
Asset Quality
Delinquent Loans / Loans0.88%0.82%0.91%0.86%0.73%-15 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 Capital9.64%9.83%9.75%9.63%9.73%+9 bps
Net Worth / Assets9.64%9.83%9.75%9.63%9.73%+9 bps
Liquidity & Funding
Loans / Shares74.00%73.84%72.54%68.02%66.50%-750 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps