PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Co-op

Black River Fal, WI · Charter 66983

NCUA · 9 branches

Q2 2026

$626.8MAssets
$521.5MLoans
$548.2MShares
$72.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.12%, up 15 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.80% of loans (+27 bps YoY).
  • Capital: net worth / assets of 11.55%, up 5 bps from a year ago.
  • Funding: loans stand at 95.13% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.12%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+21 bps YoY

Efficiency Ratio (YTD, annualized)

63.35%-465 bps YoY

Net Worth / Assets

11.55%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.61%0.93%0.97%1.02%1.00%1.13%1.12%+15 bps
Return on Equity4.85%5.51%8.22%8.45%8.67%8.75%9.87%9.70%+126 bps
Net Interest Margin2.46%2.43%2.83%2.89%2.97%2.91%3.10%3.09%+21 bps
Efficiency Ratio78.80%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 / Loans0.38%0.46%0.49%0.53%0.51%0.72%0.46%0.80%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.13%10.99%11.32%11.49%11.72%11.45%11.48%11.55%+5 bps
Net Worth / Assets11.13%10.99%11.32%11.49%11.72%11.45%11.48%11.55%+5 bps
Liquidity & Funding
Loans / Shares95.01%91.36%94.07%96.48%99.49%96.52%94.74%95.13%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps