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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.76%1.47%1.32%4.80%2.20%2.82%2.54%+122 bps
Return on Equity3.93%6.06%11.19%9.82%33.46%14.83%18.72%17.68%+787 bps
Net Interest Margin5.68%5.71%6.00%5.94%5.96%6.13%5.82%5.31%-63 bps
Efficiency Ratio73.30%68.22%60.76%64.85%62.23%60.27%56.99%57.92%-694 bps
Growth
Asset Growth (YoY)-7.46%-3.87%0.36%-0.10%1.12%0.23%1.87%10.14%+1,024 bps
Loan Growth (YoY)-1.30%0.92%-0.68%-1.50%-3.70%-4.81%-2.14%2.30%+380 bps
Share Growth (YoY)-8.09%-3.77%-2.13%-2.71%-1.55%-2.28%-0.20%8.72%+1,143 bps
Asset Quality
Delinquent Loans / Loans2.76%18.26%6.67%4.39%5.56%4.37%4.51%3.83%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.38%12.63%13.12%13.48%14.35%14.80%15.05%14.38%+90 bps
Net Worth / Assets12.38%12.63%13.12%13.48%14.35%14.80%15.05%14.38%+90 bps
Liquidity & Funding
Loans / Shares76.25%76.30%74.85%74.41%74.59%74.32%73.39%70.02%-439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps