Saint Johns, MI · Charter 20943
NCUA · 3 branches
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 | 0.70% | 0.76% | 1.35% | 1.22% | 1.00% | 0.92% | 0.71% | 0.68% | -54 bps | |
| Return on Equity | 7.49% | 8.08% | 14.17% | 12.41% | 9.97% | 9.18% | 7.24% | 6.66% | -574 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.56% | 3.58% | 3.62% | 3.65% | 3.32% | 3.50% | -8 bps | |
| Efficiency Ratio | 76.19% | 76.89% | 71.67% | 73.37% | 77.99% | 79.09% | 82.04% | 82.32% | +895 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | 2.35% | 2.65% | 3.79% | 2.44% | 2.49% | 3.25% | 1.97% | -182 bps | |
| Loan Growth (YoY) | 5.95% | 5.44% | 2.38% | 0.66% | -4.28% | -6.23% | -7.15% | -7.15% | -781 bps | |
| Share Growth (YoY) | -1.10% | 1.78% | 1.43% | 3.27% | 1.31% | 1.40% | 3.19% | 1.46% | -180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.59% | 0.41% | 0.44% | 0.51% | 0.55% | 0.55% | 0.68% | +25 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 | 9.29% | 9.37% | 9.50% | 9.81% | 9.99% | 9.99% | 9.88% | 10.20% | +39 bps | |
| Net Worth / Assets | 9.29% | 9.37% | 9.50% | 9.81% | 9.99% | 9.99% | 9.88% | 10.20% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.50% | 71.73% | 68.69% | 69.68% | 68.50% | 66.33% | 61.81% | 63.76% | -592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |