Black River Fal, WI · Charter 66983
NCUA · 9 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.61% | 0.93% | 0.97% | 1.02% | 1.00% | 1.13% | 1.12% | +15 bps | |
| Return on Equity | 4.85% | 5.51% | 8.22% | 8.45% | 8.67% | 8.75% | 9.87% | 9.70% | +126 bps | |
| Net Interest Margin | 2.46% | 2.43% | 2.83% | 2.89% | 2.97% | 2.91% | 3.10% | 3.09% | +21 bps | |
| Efficiency Ratio | 78.80% | 75.99% | 68.78% | 67.99% | 66.33% | 65.31% | 63.60% | 63.35% | -465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.16% | 7.11% | 5.59% | 5.75% | 5.47% | 5.19% | 8.51% | 9.81% | +406 bps | |
| Loan Growth (YoY) | 5.67% | 5.50% | 6.26% | 7.91% | 9.85% | 10.68% | 9.31% | 7.99% | +8 bps | |
| Share Growth (YoY) | 4.61% | 7.50% | 5.21% | 5.40% | 4.90% | 4.75% | 8.54% | 9.52% | +412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.46% | 0.49% | 0.53% | 0.51% | 0.72% | 0.46% | 0.80% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 10.99% | 11.32% | 11.49% | 11.72% | 11.45% | 11.48% | 11.55% | +5 bps | |
| Net Worth / Assets | 11.13% | 10.99% | 11.32% | 11.49% | 11.72% | 11.45% | 11.48% | 11.55% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.01% | 91.36% | 94.07% | 96.48% | 99.49% | 96.52% | 94.74% | 95.13% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |