Battle Creek, MI · Charter 60105
NCUA · 13 branches
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 | 1.47% | 1.51% | 1.33% | 1.64% | 1.71% | +23 bps | |
| Return on Equity | 8.98% | 9.00% | 8.20% | 10.21% | 10.45% | +148 bps | |
| Net Interest Margin | 4.56% | 4.64% | 4.26% | 4.65% | 4.68% | +12 bps | |
| Efficiency Ratio | 66.00% | 66.47% | 69.24% | 63.09% | 62.70% | -330 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | 5.22% | 8.68% | 8.49% | 9.10% | +583 bps | |
| Loan Growth (YoY) | 5.11% | 5.17% | 5.17% | 7.10% | 7.78% | +267 bps | |
| Share Growth (YoY) | 3.59% | 5.15% | 7.25% | 7.57% | 8.51% | +492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 1.04% | 0.78% | 0.73% | 0.75% | -16 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 | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Net Worth / Assets | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.37% | 69.23% | 68.80% | 66.33% | 66.92% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |