PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dow

Midland, MI · Charter 60137

NCUA · 2 branches

Q2 2026

$2.6BAssets
$1.2BLoans
$2.3BShares
$264.4MNet 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 0.76%, up 10 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.29% of loans (-5 bps YoY).
  • Capital: net worth / assets of 10.07%, up 12 bps from a year ago.
  • Funding: loans stand at 52.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.76%+10 bps YoY

Net Interest Margin (quarter, annualized)

1.99%+7 bps YoY

Efficiency Ratio (quarter, annualized)

59.51%-164 bps YoY

Net Worth / Assets

10.07%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.73%0.64%0.22%0.76%+10 bps
Return on Equity6.62%7.22%6.43%2.27%7.52%+90 bps
Net Interest Margin1.93%1.95%1.99%1.98%1.99%+7 bps
Efficiency Ratio61.15%59.60%60.29%73.80%59.51%-164 bps
Growth
Asset Growth (YoY)6.28%6.71%6.79%5.94%5.87%-42 bps
Loan Growth (YoY)0.54%-1.79%-3.03%-2.09%-1.36%-189 bps
Share Growth (YoY)5.32%6.32%5.31%5.40%5.66%+35 bps
Asset Quality
Delinquent Loans / Loans0.34%0.36%0.41%0.27%0.29%-5 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 Capital9.95%10.12%9.97%9.79%10.07%+12 bps
Net Worth / Assets9.95%10.12%9.97%9.79%10.07%+12 bps
Liquidity & Funding
Loans / Shares56.14%55.45%54.86%52.25%52.41%-373 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps