Chatham, MI · Charter 5272
NCUA · 1 branch
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 | 2.16% | 2.11% | 1.90% | 2.39% | 2.14% | -2 bps | |
| Return on Equity | 25.28% | 23.46% | 20.80% | 25.10% | 21.93% | -336 bps | |
| Net Interest Margin | 4.55% | 4.68% | 4.59% | 4.80% | 4.56% | +2 bps | |
| Efficiency Ratio | 64.73% | 66.87% | 69.47% | 72.83% | 68.62% | +388 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.28% | 10.77% | 12.46% | 2.93% | 3.95% | -433 bps | |
| Loan Growth (YoY) | -16.92% | -17.14% | -11.03% | -8.93% | -5.88% | +1,104 bps | |
| Share Growth (YoY) | 7.13% | 9.57% | 11.86% | 1.30% | 2.62% | -450 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.61% | 1.06% | 0.94% | 1.67% | +140 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 | 8.54% | 8.99% | 9.12% | 9.51% | 9.75% | +122 bps | |
| Net Worth / Assets | 8.54% | 8.99% | 9.12% | 9.51% | 9.75% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.94% | 31.47% | 30.20% | 29.54% | 29.29% | -265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |