Rhinelander, WI · Charter 67183
NCUA · 4 branches
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 | -0.45% | -0.01% | 0.26% | 0.41% | 0.45% | +90 bps | |
| Return on Equity | -4.63% | -0.12% | 2.57% | 4.11% | 4.54% | +917 bps | |
| Net Interest Margin | 4.71% | 4.86% | 4.86% | 4.80% | 4.88% | +17 bps | |
| Efficiency Ratio | 98.60% | 91.05% | 87.01% | 88.96% | 84.13% | -1,447 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.74% | 1.98% | 4.22% | 4.89% | 3.60% | +86 bps | |
| Loan Growth (YoY) | 14.53% | 12.21% | 7.85% | 2.73% | -0.53% | -1,506 bps | |
| Share Growth (YoY) | 2.09% | 1.87% | 3.78% | 4.50% | 3.44% | +135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.98% | 0.99% | 0.61% | 0.90% | +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 | 9.68% | 9.96% | 9.99% | 9.86% | 9.99% | +30 bps | |
| Net Worth / Assets | 9.68% | 9.96% | 9.99% | 9.86% | 9.99% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.70% | 78.17% | 76.80% | 73.47% | 75.68% | -302 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |