Battle Creek, MI · Charter 60105
NCUA · 13 branches
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 | 1.97% | 1.52% | 1.66% | 1.47% | 1.51% | 1.33% | 1.64% | 1.71% | +23 bps | |
| Return on Equity | 11.81% | 9.26% | 10.20% | 8.98% | 9.00% | 8.20% | 10.21% | 10.45% | +148 bps | |
| Net Interest Margin | 4.27% | 4.05% | 4.50% | 4.56% | 4.64% | 4.26% | 4.65% | 4.68% | +12 bps | |
| Efficiency Ratio | 60.66% | 65.74% | 64.08% | 66.00% | 66.47% | 69.24% | 63.09% | 62.70% | -330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | -1.85% | 1.27% | 3.27% | 5.22% | 8.68% | 8.49% | 9.10% | +583 bps | |
| Loan Growth (YoY) | 8.03% | 8.04% | 6.10% | 5.11% | 5.17% | 5.17% | 7.10% | 7.78% | +267 bps | |
| Share Growth (YoY) | -4.37% | -1.64% | 1.01% | 3.59% | 5.15% | 7.25% | 7.57% | 8.51% | +492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.19% | 0.93% | 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 | 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 | 16.66% | 16.45% | 16.24% | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Net Worth / Assets | 16.66% | 16.45% | 16.24% | 16.43% | 16.82% | 16.28% | 16.10% | 16.32% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.22% | 70.16% | 66.62% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |