PackageTrendsPeer
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Cloverbelt

Wausau, WI · Charter 66844

NCUA · 3 branches

Q2 2026

$354.2MAssets
$280.7MLoans
$308.0MShares
$43.8MNet 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 0.83%, up 14 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.24% of loans (+22 bps YoY).
  • Capital: net worth / assets of 12.37%, up 4 bps from a year ago.
  • Funding: loans stand at 91.12% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+46 bps YoY

Efficiency Ratio (quarter, annualized)

75.00%-108 bps YoY

Net Worth / Assets

12.37%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.75%0.76%0.75%0.83%+14 bps
Return on Equity5.62%6.01%6.11%6.08%6.72%+110 bps
Net Interest Margin2.57%2.68%2.71%2.98%3.03%+46 bps
Efficiency Ratio76.08%74.86%74.88%77.44%75.00%-108 bps
Growth
Asset Growth (YoY)6.90%7.98%7.67%7.79%6.71%-19 bps
Loan Growth (YoY)6.31%9.25%8.98%8.22%8.40%+209 bps
Share Growth (YoY)8.54%10.63%8.99%9.01%7.68%-86 bps
Asset Quality
Delinquent Loans / Loans0.02%0.11%0.13%0.19%0.24%+22 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 Capital12.34%12.46%12.38%12.29%12.37%+4 bps
Net Worth / Assets12.34%12.46%12.38%12.29%12.37%+4 bps
Liquidity & Funding
Loans / Shares90.51%92.78%91.35%90.24%91.12%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps