PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Lights Community

Chatham, MI · Charter 5272

NCUA · 1 branch

Q2 2026

$12.9MAssets
$3.4MLoans
$11.6MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 2.14%, down 2 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 1.67% of loans (+140 bps YoY).
  • Capital: net worth / assets of 9.75%, up 122 bps from a year ago.
  • Funding: loans stand at 29.29% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.14%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+2 bps YoY

Efficiency Ratio (YTD, annualized)

68.62%+388 bps YoY

Net Worth / Assets

9.75%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.13%2.01%2.16%2.11%1.90%2.39%2.14%-2 bps
Return on Equity10.85%13.37%24.74%25.28%23.46%20.80%25.10%21.93%-336 bps
Net Interest Margin4.64%4.62%4.65%4.55%4.68%4.59%4.80%4.56%+2 bps
Efficiency Ratio87.20%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 / Loans0.57%0.56%0.00%0.28%0.61%1.06%0.94%1.67%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.15%8.45%8.15%8.54%8.99%9.12%9.51%9.75%+122 bps
Net Worth / Assets8.15%8.45%8.15%8.54%8.99%9.12%9.51%9.75%+122 bps
Liquidity & Funding
Loans / Shares41.62%37.97%32.86%31.94%31.47%30.20%29.54%29.29%-265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps