Lake Linden, MI · Charter 10099
NCUA · 2 branches
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.75% | 0.59% | -1.91% | -6.23% | -640 bps | |
| Return on Equity | 1.69% | 7.39% | 5.88% | -20.31% | -86.16% | -8,786 bps | |
| Net Interest Margin | 3.73% | 3.98% | 4.03% | 3.93% | 4.16% | +43 bps | |
| Efficiency Ratio | 76.37% | 77.40% | 86.74% | 140.29% | 221% | +14,492 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.72% | -8.95% | -5.05% | -4.51% | -5.93% | -221 bps | |
| Loan Growth (YoY) | -12.47% | -4.81% | -4.64% | -3.22% | -9.30% | +317 bps | |
| Share Growth (YoY) | -5.32% | -10.16% | -5.64% | -4.22% | -2.77% | +255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.01% | 0.07% | 0.00% | 0.60% | +6 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 | 9.66% | 10.15% | 10.10% | 9.41% | 7.24% | -242 bps | |
| Net Worth / Assets | 9.66% | 10.15% | 10.10% | 9.41% | 7.24% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.12% | 44.55% | 41.63% | 38.05% | 37.43% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |