Rhinelander, WI · Charter 67183
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.17% | -0.61% | -0.45% | -0.01% | 0.26% | 0.41% | 0.45% | +90 bps | |
| Return on Equity | 1.75% | 1.68% | -6.18% | -4.63% | -0.12% | 2.57% | 4.11% | 4.54% | +917 bps | |
| Net Interest Margin | 4.29% | 4.40% | 4.55% | 4.71% | 4.86% | 4.86% | 4.80% | 4.88% | +17 bps | |
| Efficiency Ratio | 90.04% | 90.69% | 102.90% | 98.60% | 91.05% | 87.01% | 88.96% | 84.13% | -1,447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | -2.17% | 1.61% | 2.74% | 1.98% | 4.22% | 4.89% | 3.60% | +86 bps | |
| Loan Growth (YoY) | 2.10% | 6.51% | 9.33% | 14.53% | 12.21% | 7.85% | 2.73% | -0.53% | -1,506 bps | |
| Share Growth (YoY) | -3.97% | -2.60% | 1.09% | 2.09% | 1.87% | 3.78% | 4.50% | 3.44% | +135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.65% | 0.62% | 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 | 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 | 10.19% | 10.20% | 9.87% | 9.68% | 9.96% | 9.99% | 9.86% | 9.99% | +30 bps | |
| Net Worth / Assets | 10.19% | 10.20% | 9.87% | 9.68% | 9.96% | 9.99% | 9.86% | 9.99% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.98% | 73.91% | 74.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |