Chatham, MI · Charter 5272
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.13% | 2.01% | 2.16% | 2.11% | 1.90% | 2.39% | 2.14% | -2 bps | |
| Return on Equity | 10.85% | 13.37% | 24.74% | 25.28% | 23.46% | 20.80% | 25.10% | 21.93% | -336 bps | |
| Net Interest Margin | 4.64% | 4.62% | 4.65% | 4.55% | 4.68% | 4.59% | 4.80% | 4.56% | +2 bps | |
| Efficiency Ratio | 87.20% | 82.05% | 66.36% | 64.73% | 66.87% | 69.47% | 72.83% | 68.62% | +388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.93% | -1.54% | 7.75% | 8.28% | 10.77% | 12.46% | 2.93% | 3.95% | -433 bps | |
| Loan Growth (YoY) | -7.52% | -14.92% | -15.47% | -16.92% | -17.14% | -11.03% | -8.93% | -5.88% | +1,104 bps | |
| Share Growth (YoY) | -7.99% | -2.60% | 7.93% | 7.13% | 9.57% | 11.86% | 1.30% | 2.62% | -450 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.56% | 0.00% | 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 | 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 | 8.15% | 8.45% | 8.15% | 8.54% | 8.99% | 9.12% | 9.51% | 9.75% | +122 bps | |
| Net Worth / Assets | 8.15% | 8.45% | 8.15% | 8.54% | 8.99% | 9.12% | 9.51% | 9.75% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.62% | 37.97% | 32.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |