Saginaw, MI · Charter 60057
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.27% | 0.08% | 0.26% | 0.32% | 0.37% | 0.48% | 0.59% | +33 bps | |
| Return on Equity | 1.77% | 2.44% | 0.76% | 2.33% | 2.89% | 3.42% | 4.36% | 5.36% | +303 bps | |
| Net Interest Margin | 2.38% | 2.45% | 2.73% | 2.79% | 2.84% | 2.88% | 3.13% | 3.15% | +36 bps | |
| Efficiency Ratio | 88.29% | 84.97% | 86.90% | 84.75% | 82.31% | 81.11% | 78.69% | 76.70% | -805 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.84% | 3.33% | 2.80% | 4.31% | 4.66% | 5.36% | 5.18% | 5.31% | +100 bps | |
| Loan Growth (YoY) | 7.99% | 5.71% | 5.07% | 6.21% | 7.89% | 10.74% | 11.41% | 11.20% | +499 bps | |
| Share Growth (YoY) | 6.42% | 2.73% | 1.99% | 3.49% | 4.00% | 4.50% | 4.82% | 5.33% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.61% | 0.50% | 0.77% | 0.72% | 0.59% | 0.49% | 0.60% | -17 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 | 11.32% | 11.24% | 11.07% | 11.06% | 11.08% | 10.96% | 10.91% | 10.95% | -11 bps | |
| Net Worth / Assets | 11.32% | 11.24% | 11.07% | 11.06% | 11.08% | 10.96% | 10.91% | 10.95% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.04% | 63.54% | 63.17% | 64.53% | 66.44% | 67.34% | 67.14% | 68.13% | +360 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |