PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Golden Rule Community

Ripon, WI · Charter 67096

NCUA · 1 branch

Q2 2026

$42.6MAssets
$11.9MLoans
$36.9MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.76%, down 35 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.05% of loans (+32 bps YoY).
  • Capital: net worth / assets of 12.00%, up 21 bps from a year ago.
  • Funding: loans stand at 32.38% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%-35 bps YoY

Net Interest Margin (YTD, annualized)

4.16%-38 bps YoY

Efficiency Ratio (YTD, annualized)

88.15%+805 bps YoY

Net Worth / Assets

12.00%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.16%0.77%1.12%0.99%1.02%0.87%0.76%-35 bps
Return on Equity12.40%10.41%6.69%9.49%8.22%8.56%7.26%6.37%-311 bps
Net Interest Margin4.79%4.74%4.53%4.53%4.56%4.42%4.20%4.16%-38 bps
Efficiency Ratio73.54%75.90%83.65%80.10%81.48%80.63%95.92%88.15%+805 bps
Growth
Asset Growth (YoY)-0.78%0.07%-1.91%-0.18%-0.22%1.87%4.33%5.51%+568 bps
Loan Growth (YoY)-15.43%-11.14%-7.36%-5.43%-1.66%-2.93%-6.72%-7.53%-210 bps
Share Growth (YoY)-2.21%-0.41%-3.34%-1.64%-1.09%1.60%4.18%5.27%+690 bps
Asset Quality
Delinquent Loans / Loans1.60%1.17%0.93%0.72%0.52%0.50%0.66%1.05%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.13%11.16%11.48%11.79%12.00%11.94%12.01%12.00%+21 bps
Net Worth / Assets11.13%11.16%11.48%11.79%12.00%11.94%12.01%12.00%+21 bps
Liquidity & Funding
Loans / Shares36.58%36.18%37.01%36.86%36.37%34.56%33.13%32.38%-448 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps