Bay City, MI · Charter 24874
NCUA · 3 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.06% | 0.16% | 0.23% | 0.35% | 0.46% | 0.61% | -0.10% | -33 bps | |
| Return on Equity | 2.34% | -0.51% | 1.40% | 1.96% | 3.01% | 3.89% | 5.13% | -0.84% | -279 bps | |
| Net Interest Margin | 2.68% | 2.79% | 2.81% | 2.89% | 2.86% | 2.91% | 2.94% | 3.03% | +14 bps | |
| Efficiency Ratio | 89.19% | 85.10% | 84.89% | 92.26% | 89.58% | 87.02% | 82.56% | 103.46% | +1,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 1.10% | -1.58% | -4.20% | -1.20% | 0.72% | 0.48% | 2.99% | +718 bps | |
| Loan Growth (YoY) | 15.31% | 7.40% | 1.67% | -4.69% | -9.06% | -8.90% | -5.39% | -6.11% | -143 bps | |
| Share Growth (YoY) | -5.98% | -5.16% | -2.18% | -4.91% | -2.01% | -0.86% | -1.66% | 1.84% | +675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 0.91% | 1.25% | 0.11% | 0.16% | 0.21% | 0.46% | 0.05% | -6 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 | 11.11% | 11.44% | 11.47% | 11.75% | 11.54% | 11.78% | 11.98% | 11.89% | +14 bps | |
| Net Worth / Assets | 11.11% | 11.44% | 11.47% | 11.75% | 11.54% | 11.78% | 11.98% | 11.89% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.09% | 56.17% | 54.39% | 53.83% | 51.13% | 51.61% | 52.33% | 49.62% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |