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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |