East Lansing, MI · Charter 23279
NCUA · 34 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.28% | 0.31% | 0.28% | 0.31% | +20 bps | |
| Return on Equity | 1.22% | 3.33% | 3.63% | 3.30% | 3.41% | +219 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.46% | 3.68% | 3.65% | +29 bps | |
| Efficiency Ratio | 80.43% | 76.44% | 76.00% | 73.97% | 74.71% | -572 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.91% | 0.87% | 4.02% | 3.20% | 7.59% | +268 bps | |
| Loan Growth (YoY) | 6.02% | 2.09% | 2.66% | 3.33% | 8.78% | +275 bps | |
| Share Growth (YoY) | 7.86% | 3.21% | 4.68% | 3.79% | 7.45% | -41 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 1.06% | 1.16% | 1.12% | 1.24% | -2 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.34% | 8.51% | 8.43% | 8.37% | 8.96% | +62 bps | |
| Net Worth / Assets | 8.34% | 8.51% | 8.43% | 8.37% | 8.96% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.00% | 94.72% | 93.99% | 91.74% | 95.16% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |