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 | |