PackageTrendsPeer
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Frankfort Community

Frankfort, MI · Charter 13355

NCUA · 1 branch

Q2 2026

$19.6MAssets
$11.7MLoans
$16.7MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.54%, up 122 bps year over year; NIM at 5.31%.
  • Asset quality: problem loans at 3.83% of loans (-56 bps YoY).
  • Capital: net worth / assets of 14.38%, up 90 bps from a year ago.
  • Funding: loans stand at 70.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.54%+122 bps YoY

Net Interest Margin (YTD, annualized)

5.31%-63 bps YoY

Efficiency Ratio (YTD, annualized)

57.92%-694 bps YoY

Net Worth / Assets

14.38%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%4.80%2.20%2.82%2.54%+122 bps
Return on Equity9.82%33.46%14.83%18.72%17.68%+787 bps
Net Interest Margin5.94%5.96%6.13%5.82%5.31%-63 bps
Efficiency Ratio64.85%62.23%60.27%56.99%57.92%-694 bps
Growth
Asset Growth (YoY)-0.10%1.12%0.23%1.87%10.14%+1,024 bps
Loan Growth (YoY)-1.50%-3.70%-4.81%-2.14%2.30%+380 bps
Share Growth (YoY)-2.71%-1.55%-2.28%-0.20%8.72%+1,143 bps
Asset Quality
Delinquent Loans / Loans4.39%5.56%4.37%4.51%3.83%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.48%14.35%14.80%15.05%14.38%+90 bps
Net Worth / Assets13.48%14.35%14.80%15.05%14.38%+90 bps
Liquidity & Funding
Loans / Shares74.41%74.59%74.32%73.39%70.02%-439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps