Alpena, MI · Charter 11979
NCUA · 17 branches
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.61% | 0.54% | 0.59% | 0.76% | +11 bps | |
| Return on Equity | 6.50% | 6.09% | 5.41% | 5.83% | 7.37% | +87 bps | |
| Net Interest Margin | 2.87% | 2.91% | 2.92% | 3.10% | 3.15% | +28 bps | |
| Efficiency Ratio | 82.24% | 81.80% | 82.68% | 81.83% | 79.55% | -269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 5.42% | 8.76% | 4.93% | 3.11% | -2 bps | |
| Loan Growth (YoY) | 4.33% | 5.12% | 6.05% | 5.48% | 6.96% | +264 bps | |
| Share Growth (YoY) | 4.66% | 7.69% | 7.45% | 5.38% | 5.15% | +49 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 0.77% | 0.77% | 0.82% | 0.88% | -13 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 | 10.04% | 10.06% | 10.00% | 10.18% | 10.33% | +29 bps | |
| Net Worth / Assets | 10.04% | 10.06% | 10.00% | 10.18% | 10.33% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.02% | 72.05% | 73.09% | 72.34% | 73.26% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |