Fife Lake, MI · Charter 24047
NCUA · 8 branches
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 | 1.11% | 1.26% | 1.46% | 1.37% | 1.69% | +58 bps | |
| Return on Equity | 9.39% | 10.56% | 11.89% | 11.12% | 13.21% | +382 bps | |
| Net Interest Margin | 4.25% | 4.23% | 4.35% | 4.41% | 4.40% | +15 bps | |
| Efficiency Ratio | 63.19% | 63.68% | 62.80% | 67.58% | 63.53% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.44% | 12.25% | 12.65% | 9.96% | 6.85% | -659 bps | |
| Loan Growth (YoY) | 2.93% | 2.83% | 4.43% | 4.39% | 4.30% | +137 bps | |
| Share Growth (YoY) | 13.33% | 12.44% | 11.96% | 9.31% | 5.67% | -766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.66% | 1.41% | 1.47% | 1.92% | +29 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 | 11.81% | 11.90% | 12.29% | 12.31% | 12.76% | +95 bps | |
| Net Worth / Assets | 11.81% | 11.90% | 12.29% | 12.31% | 12.76% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.40% | 71.97% | 72.61% | 69.90% | 71.46% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |