Co-op
Black River Fal, WI · Charter 66983 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$626.8MAssets
$521.5MLoans
$548.2MShares
$72.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 253 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1395 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.12%
Rank 481 of 1,683
Net Interest Margin
3.09%
Rank 1,395 of 1,683
Efficiency Ratio
63.35%
Rank 253 of 1,682
Equity / Assets
11.55%
Rank 1,071 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.35% | 0.74% | 1.18% | Beats 71% | 481 / 1,683 | |
| Return on Equity | 9.70% | 2.67% | 5.89% | 8.74% | Beats 81% | 315 / 1,681 | |
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,395 / 1,683 | |
| Efficiency Ratio | 63.35% | 68.91% | 78.20% | 86.93% | Beats 85% | 253 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.26% | 0.65% | 1.29% | Beats 43% | 961 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,071 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.55% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,071 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 95.13% | 52.61% | 69.38% | 83.50% | 93rd pctl | 115 / 1,683 | |
| Loans / Assets | 83.21% | 44.71% | 59.18% | 70.72% | 96th pctl | 72 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |