Ripon, WI · Charter 67096
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
41
Asset Quality
31
Profitability
58
Liquidity
0
Efficiency
22
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.
Ripon, WI · Charter 67096
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 | 1.12% | 0.99% | 1.02% | 0.87% | 0.76% | -35 bps | |
| Return on Equity | 9.49% | 8.22% | 8.56% | 7.26% | 6.37% | -311 bps | |
| Net Interest Margin | 4.53% | 4.56% | 4.42% | 4.20% | 4.16% | -38 bps | |
| Efficiency Ratio | 80.10% | 81.48% | 80.63% | 95.92% | 88.15% | +805 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.18% | -0.22% | 1.87% | 4.33% | 5.51% | +568 bps | |
| Loan Growth (YoY) | -5.43% | -1.66% | -2.93% | -6.72% | -7.53% | -210 bps | |
| Share Growth (YoY) | -1.64% | -1.09% | 1.60% | 4.18% | 5.27% | +690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.52% | 0.50% | 0.66% | 1.05% | +32 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 | 11.79% | 12.00% | 11.94% | 12.01% | 12.00% | +21 bps | |
| Net Worth / Assets | 11.79% | 12.00% | 11.94% | 12.01% | 12.00% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.86% | 36.37% | 34.56% | 33.13% | 32.38% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ripon, WI · Charter 67096 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.77%
Rank 813 of 1,683
Net Interest Margin
4.16%
Rank 548 of 1,683
Efficiency Ratio
88.15%
Rank 1,310 of 1,682
Equity / Assets
12.00%
Rank 998 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 813 / 1,683 | |
| Return on Equity | 6.38% | 2.67% | 5.89% | 8.74% | Beats 55% | 759 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 548 / 1,683 | |
| Efficiency Ratio | 88.15% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,310 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,154 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 998 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 998 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.38% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,579 / 1,683 | |
| Loans / Assets | 28.04% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,573 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||