Rock, MI · Charter 21020
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.70% | 0.71% | 0.61% | 0.52% | -22 bps | |
| Return on Equity | 8.70% | 7.90% | 8.12% | 7.06% | 5.99% | -271 bps | |
| Net Interest Margin | 3.01% | 3.09% | 3.02% | 2.78% | 2.67% | -33 bps | |
| Efficiency Ratio | 75.50% | 77.49% | 76.71% | 78.21% | 80.62% | +512 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.94% | -0.57% | 4.96% | 7.34% | 5.00% | +306 bps | |
| Loan Growth (YoY) | 8.09% | 13.08% | 11.01% | -1.59% | -1.52% | -961 bps | |
| Share Growth (YoY) | 1.35% | -1.41% | 4.59% | 7.23% | 4.79% | +345 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.04% | 0.04% | 0.78% | 0.04% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.88% | 0.91% | 0.98% | 0.90% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.51% | 8.85% | 8.71% | 8.62% | 8.69% | +19 bps | |
| Net Worth / Assets | 8.51% | 8.85% | 8.71% | 8.62% | 8.69% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.27% | 39.72% | 36.89% | 33.23% | 35.97% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |