East Lansing, MI · Charter 23279
NCUA · 34 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 | -0.22% | -0.26% | -0.07% | 0.10% | 0.28% | 0.31% | 0.28% | 0.31% | +20 bps | |
| Return on Equity | -2.60% | -3.12% | -0.89% | 1.22% | 3.33% | 3.63% | 3.30% | 3.41% | +219 bps | |
| Net Interest Margin | 2.83% | 2.96% | 3.26% | 3.36% | 3.45% | 3.46% | 3.68% | 3.65% | +29 bps | |
| Efficiency Ratio | 86.57% | 87.28% | 85.62% | 80.43% | 76.44% | 76.00% | 73.97% | 74.71% | -572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 4.77% | 5.74% | 4.91% | 0.87% | 4.02% | 3.20% | 7.59% | +268 bps | |
| Loan Growth (YoY) | 3.27% | 3.84% | 3.83% | 6.02% | 2.09% | 2.66% | 3.33% | 8.78% | +275 bps | |
| Share Growth (YoY) | 4.12% | 6.04% | 7.18% | 7.86% | 3.21% | 4.68% | 3.79% | 7.45% | -41 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.87% | 0.93% | 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 | 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 | 8.50% | 8.49% | 8.27% | 8.34% | 8.51% | 8.43% | 8.37% | 8.96% | +62 bps | |
| Net Worth / Assets | 8.50% | 8.49% | 8.27% | 8.34% | 8.51% | 8.43% | 8.37% | 8.96% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.75% | 95.84% | 92.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |