Rib Lake, WI · Charter 66999
NCUA · 1 branch
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 | -0.61% | -0.52% | 0.93% | 0.23% | 0.10% | 0.20% | -1.40% | -0.42% | -65 bps | |
| Return on Equity | -4.68% | -3.95% | 7.18% | 1.84% | 0.80% | 1.65% | -12.05% | -3.88% | -572 bps | |
| Net Interest Margin | 3.87% | 3.94% | 3.78% | 3.73% | 3.79% | 3.81% | 3.95% | 3.86% | +13 bps | |
| Efficiency Ratio | 113.21% | 110.13% | 74.13% | 83.98% | 89.80% | 88.82% | 114.84% | 99.67% | +1,569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.29% | -1.84% | 3.30% | 7.28% | 6.17% | 9.86% | 8.46% | 12.70% | +543 bps | |
| Loan Growth (YoY) | 5.72% | 7.00% | 12.89% | 24.27% | 14.73% | 25.88% | 29.81% | 27.57% | +330 bps | |
| Share Growth (YoY) | -7.61% | -1.12% | 1.31% | 9.41% | 9.89% | 9.82% | 13.22% | 13.97% | +455 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 1.26% | 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 | 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 | 13.04% | 13.13% | 12.96% | 12.45% | 12.30% | 12.15% | 11.58% | 10.92% | -153 bps | |
| Net Worth / Assets | 13.04% | 13.13% | 12.96% | 12.45% | 12.30% | 12.15% | 11.58% | 10.92% | -153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.07% | 67.97% | 72.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |