Cloverbelt
Wausau, WI · Charter 66844 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$354.2MAssets
$280.7MLoans
$308.0MShares
$43.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets (rank 389 of 1682).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1438 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.83%
Rank 755 of 1,683
Net Interest Margin
3.03%
Rank 1,438 of 1,683
Efficiency Ratio
75.00%
Rank 674 of 1,682
Equity / Assets
12.37%
Rank 941 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.35% | 0.74% | 1.18% | Beats 55% | 755 / 1,683 | |
| Return on Equity | 6.72% | 2.67% | 5.89% | 8.74% | Beats 58% | 705 / 1,681 | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,438 / 1,683 | |
| Efficiency Ratio | 75.00% | 68.91% | 78.20% | 86.93% | Beats 60% | 674 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 389 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.37% | 10.44% | 12.89% | 16.53% | Beats 44% | 941 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.37% | 10.44% | 12.89% | 16.53% | Beats 44% | 941 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.12% | 52.61% | 69.38% | 83.50% | 88th pctl | 197 / 1,683 | |
| Loans / Assets | 79.24% | 44.71% | 59.18% | 70.72% | 91st pctl | 158 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |