Muskegon, MI · Charter 4038
NCUA · 6 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 | 0.99% | 1.16% | 1.24% | 1.75% | 1.58% | +58 bps | |
| Return on Equity | 5.94% | 6.69% | 6.83% | 9.55% | 8.49% | +255 bps | |
| Net Interest Margin | 3.97% | 4.13% | 4.33% | 4.26% | 4.28% | +31 bps | |
| Efficiency Ratio | 77.74% | 75.72% | 75.94% | 69.32% | 71.72% | -602 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.02% | 0.41% | -3.14% | -4.51% | -2.06% | -308 bps | |
| Loan Growth (YoY) | 2.11% | 0.91% | -2.05% | -3.23% | -4.21% | -632 bps | |
| Share Growth (YoY) | -0.16% | -1.32% | -5.42% | -7.09% | -4.02% | -386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.46% | 0.50% | 0.44% | 0.42% | +10 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 | 16.75% | 17.32% | 18.13% | 18.31% | 18.56% | +181 bps | |
| Net Worth / Assets | 16.75% | 17.32% | 18.13% | 18.31% | 18.56% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.47% | 89.32% | 89.31% | 87.14% | 87.29% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |