Alma, MI · Charter 15304
NCUA · 1 branch
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 | 1.26% | 1.22% | 0.77% | 0.84% | 1.07% | 0.99% | 0.44% | 1.11% | +28 bps | |
| Return on Equity | 11.91% | 11.64% | 7.50% | 8.14% | 10.39% | 9.72% | 4.64% | 11.48% | +334 bps | |
| Net Interest Margin | 4.74% | 4.63% | 4.33% | 4.30% | 4.24% | 4.16% | 3.72% | 3.79% | -51 bps | |
| Efficiency Ratio | 73.88% | 74.70% | 75.62% | 77.70% | 77.25% | 77.28% | 85.39% | 75.69% | -201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | 1.95% | 5.07% | 10.80% | 13.49% | 13.07% | 20.04% | 18.58% | +778 bps | |
| Loan Growth (YoY) | -3.58% | -8.93% | -9.10% | -9.79% | -9.38% | -5.52% | -4.23% | -3.98% | +581 bps | |
| Share Growth (YoY) | -0.41% | 1.18% | 4.23% | 10.95% | 13.50% | 13.27% | 20.79% | 18.34% | +739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.54% | 0.55% | 0.45% | 0.16% | 0.81% | 0.69% | 0.58% | +13 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 | 10.56% | 10.46% | 10.31% | 10.25% | 10.30% | 10.23% | 9.52% | 9.70% | -56 bps | |
| Net Worth / Assets | 10.56% | 10.46% | 10.31% | 10.25% | 10.30% | 10.23% | 9.52% | 9.70% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.75% | 63.01% | 58.83% | 56.50% | 54.10% | 52.55% | 46.64% | 45.84% | -1,066 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |