Bruce Crossing, MI · Charter 24793
NCUA · 2 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 | 2.42% | 2.46% | 2.60% | 2.19% | 2.26% | 2.12% | 3.55% | 2.24% | +5 bps | |
| Return on Equity | 14.49% | 13.84% | 14.12% | 11.80% | 12.09% | 10.89% | 18.22% | 11.36% | -44 bps | |
| Net Interest Margin | 4.78% | 5.03% | 5.06% | 4.95% | 4.87% | 4.92% | 4.77% | 4.76% | -19 bps | |
| Efficiency Ratio | 56.23% | 56.86% | 55.72% | 61.76% | 60.05% | 60.95% | 65.22% | 65.70% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.35% | 3.37% | 3.52% | 1.70% | 1.35% | 2.47% | 5.83% | 5.67% | +397 bps | |
| Loan Growth (YoY) | 5.06% | 4.28% | 3.90% | 2.99% | 4.11% | 6.24% | 7.08% | 11.35% | +836 bps | |
| Share Growth (YoY) | -1.54% | 0.94% | 1.68% | -0.07% | -0.87% | 0.38% | 4.53% | 4.17% | +423 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.56% | 0.34% | 1.32% | 0.85% | 0.41% | 0.59% | 0.79% | -54 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 | 16.69% | 17.76% | 18.38% | 18.57% | 18.69% | 19.47% | 19.50% | 19.68% | +111 bps | |
| Net Worth / Assets | 16.69% | 17.76% | 18.38% | 18.57% | 18.69% | 19.47% | 19.50% | 19.68% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.30% | 61.85% | 62.02% | 62.15% | 62.28% | 65.46% | 63.54% | 66.44% | +428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |