Niles, MI · Charter 22114
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 | 0.87% | 0.95% | 0.63% | 0.96% | 0.75% | 0.81% | 0.77% | 0.79% | -16 bps | |
| Return on Equity | 10.60% | 11.10% | 7.26% | 11.30% | 8.77% | 9.13% | 8.61% | 8.68% | -262 bps | |
| Net Interest Margin | 3.00% | 3.11% | 3.09% | 3.29% | 3.05% | 3.17% | 3.19% | 3.24% | -6 bps | |
| Efficiency Ratio | 79.34% | 78.05% | 85.23% | 78.16% | 81.86% | 80.97% | 77.92% | 79.72% | +156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.75% | 5.72% | 1.25% | 5.38% | 6.45% | 6.17% | 7.22% | 2.03% | -335 bps | |
| Loan Growth (YoY) | -10.82% | -11.31% | -11.63% | -7.62% | -3.70% | 0.76% | 1.91% | 2.41% | +1,003 bps | |
| Share Growth (YoY) | 8.02% | 4.61% | 0.60% | 4.81% | 5.76% | 5.94% | 6.75% | 1.52% | -329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.95% | 1.21% | 1.05% | 0.53% | 0.90% | 0.62% | 0.25% | -79 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 | 8.20% | 8.58% | 8.72% | 8.48% | 8.50% | 8.87% | 8.96% | 9.15% | +67 bps | |
| Net Worth / Assets | 8.20% | 8.58% | 8.72% | 8.48% | 8.50% | 8.87% | 8.96% | 9.15% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.71% | 80.97% | 78.74% | 75.31% | 75.32% | 77.01% | 75.17% | 75.97% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |