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Iron Mountain Kingsford Community

Kingsford, MI · Charter 5660

NCUA · 1 branch

Q2 2026

$149.4MAssets
$34.9MLoans
$121.8MShares
$26.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.66%, down 31 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.18% of loans (-10 bps YoY).
  • Capital: net worth / assets of 17.86%, up 114 bps from a year ago.
  • Funding: loans stand at 28.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-42 bps YoY

Efficiency Ratio (YTD, annualized)

60.79%+284 bps YoY

Net Worth / Assets

17.86%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%2.00%1.94%1.57%1.66%-31 bps
Return on Equity11.78%11.50%11.06%9.06%9.29%-249 bps
Net Interest Margin4.23%4.26%4.17%3.74%3.80%-42 bps
Efficiency Ratio57.94%57.96%58.28%61.89%60.79%+284 bps
Growth
Asset Growth (YoY)3.27%2.75%3.32%4.46%3.89%+62 bps
Loan Growth (YoY)0.59%0.59%0.84%-2.34%-3.12%-371 bps
Share Growth (YoY)1.78%0.84%1.52%3.04%2.47%+69 bps
Asset Quality
Delinquent Loans / Loans0.28%0.23%0.29%0.22%0.18%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.72%17.35%17.58%17.31%17.86%+114 bps
Net Worth / Assets16.72%17.35%17.58%17.31%17.86%+114 bps
Liquidity & Funding
Loans / Shares30.29%31.36%30.53%28.37%28.64%-165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps