PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Journey

Saint Johns, MI · Charter 20943

NCUA · 3 branches

Q2 2026

$186.5MAssets
$105.8MLoans
$165.9MShares
$19.0MNet 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 0.68%, down 54 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.68% of loans (+25 bps YoY).
  • Capital: net worth / assets of 10.20%, up 39 bps from a year ago.
  • Funding: loans stand at 63.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-8 bps YoY

Efficiency Ratio (YTD, annualized)

82.32%+895 bps YoY

Net Worth / Assets

10.20%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.00%0.92%0.71%0.68%-54 bps
Return on Equity12.41%9.97%9.18%7.24%6.66%-574 bps
Net Interest Margin3.58%3.62%3.65%3.32%3.50%-8 bps
Efficiency Ratio73.37%77.99%79.09%82.04%82.32%+895 bps
Growth
Asset Growth (YoY)3.79%2.44%2.49%3.25%1.97%-182 bps
Loan Growth (YoY)0.66%-4.28%-6.23%-7.15%-7.15%-781 bps
Share Growth (YoY)3.27%1.31%1.40%3.19%1.46%-180 bps
Asset Quality
Delinquent Loans / Loans0.44%0.51%0.55%0.55%0.68%+25 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 Capital9.81%9.99%9.99%9.88%10.20%+39 bps
Net Worth / Assets9.81%9.99%9.99%9.88%10.20%+39 bps
Liquidity & Funding
Loans / Shares69.68%68.50%66.33%61.81%63.76%-592 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps