Rib Lake, WI · Charter 66999
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
15
Profitability
22
Liquidity
44
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rib Lake, WI · Charter 66999
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.10% | 0.20% | -1.40% | -0.42% | -65 bps | |
| Return on Equity | 1.84% | 0.80% | 1.65% | -12.05% | -3.88% | -572 bps | |
| Net Interest Margin | 3.73% | 3.79% | 3.81% | 3.95% | 3.86% | +13 bps | |
| Efficiency Ratio | 83.98% | 89.80% | 88.82% | 114.84% | 99.67% | +1,569 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.28% | 6.17% | 9.86% | 8.46% | 12.70% | +543 bps | |
| Loan Growth (YoY) | 24.27% | 14.73% | 25.88% | 29.81% | 27.57% | +330 bps | |
| Share Growth (YoY) | 9.41% | 9.89% | 9.82% | 13.22% | 13.97% | +455 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.71% | 1.33% | 0.96% | 1.28% | 1.91% | +20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.45% | 12.30% | 12.15% | 11.58% | 10.92% | -153 bps | |
| Net Worth / Assets | 12.45% | 12.30% | 12.15% | 11.58% | 10.92% | -153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.40% | 71.07% | 77.91% | 82.76% | 82.16% | +876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rib Lake, WI · Charter 66999 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.42%
Rank 1,570 of 1,683
Net Interest Margin
3.86%
Rank 806 of 1,683
Efficiency Ratio
99.70%
Rank 1,554 of 1,682
Equity / Assets
10.92%
Rank 1,171 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,570 / 1,683 | |
| Return on Equity | -3.89% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,582 / 1,681 | |
| Net Interest Margin | 3.86% | 3.31% | 3.82% | 4.32% | Beats 52% | 806 / 1,683 | |
| Efficiency Ratio | 99.70% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,554 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.91% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,432 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,171 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,171 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.17% | 52.61% | 69.38% | 83.50% | 73rd pctl | 450 / 1,683 | |
| Loans / Assets | 72.77% | 44.71% | 59.18% | 70.72% | 80th pctl | 342 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||