PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Omni Community

Battle Creek, MI · Charter 60105

NCUA · 13 branches

Q2 2026

$662.0MAssets
$370.6MLoans
$553.8MShares
$108.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.71%, up 23 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 0.75% of loans (-16 bps YoY).
  • Capital: net worth / assets of 16.32%, down 11 bps from a year ago.
  • Funding: loans stand at 66.92% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.71%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+12 bps YoY

Efficiency Ratio (YTD, annualized)

62.70%-330 bps YoY

Net Worth / Assets

16.32%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.52%1.66%1.47%1.51%1.33%1.64%1.71%+23 bps
Return on Equity11.81%9.26%10.20%8.98%9.00%8.20%10.21%10.45%+148 bps
Net Interest Margin4.27%4.05%4.50%4.56%4.64%4.26%4.65%4.68%+12 bps
Efficiency Ratio60.66%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 / Loans0.85%1.19%0.93%0.91%1.04%0.78%0.73%0.75%-16 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 Capital16.66%16.45%16.24%16.43%16.82%16.28%16.10%16.32%-11 bps
Net Worth / Assets16.66%16.45%16.24%16.43%16.82%16.28%16.10%16.32%-11 bps
Liquidity & Funding
Loans / Shares69.22%70.16%66.62%67.37%69.23%68.80%66.33%66.92%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps