Dowagiac, MI · Charter 21070
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 | 1.70% | 1.57% | 0.84% | 1.22% | 1.38% | 1.26% | 1.36% | 1.49% | +27 bps | |
| Return on Equity | 16.52% | 15.49% | 8.32% | 12.16% | 13.23% | 11.74% | 12.69% | 13.35% | +119 bps | |
| Net Interest Margin | 4.44% | 4.32% | 4.04% | 4.12% | 4.19% | 4.25% | 3.98% | 4.17% | +5 bps | |
| Efficiency Ratio | 52.96% | 58.44% | 62.94% | 64.64% | 64.96% | 67.15% | 67.54% | 62.62% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.14% | 0.90% | 4.65% | 12.05% | 9.70% | 5.85% | 6.64% | 1.80% | -1,025 bps | |
| Loan Growth (YoY) | 24.02% | 4.90% | -0.50% | 11.62% | 9.47% | 15.81% | 15.40% | 0.62% | -1,101 bps | |
| Share Growth (YoY) | -5.21% | -0.63% | 3.67% | 11.70% | 9.18% | 5.01% | 5.83% | 0.80% | -1,089 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.90% | 1.49% | 1.41% | 1.77% | 0.50% | 0.45% | 0.49% | -92 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 | 10.32% | 10.12% | 10.06% | 10.02% | 10.45% | 10.76% | 10.73% | 11.14% | +112 bps | |
| Net Worth / Assets | 10.32% | 10.12% | 10.06% | 10.02% | 10.45% | 10.76% | 10.73% | 11.14% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.02% | 51.14% | 48.55% | 52.88% | 53.17% | 56.40% | 52.94% | 52.78% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |