Midland, MI · Charter 60137
NCUA · 2 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 | 0.66% | 0.52% | 0.23% | 0.66% | 0.73% | 0.64% | 0.22% | 0.76% | +10 bps | |
| Return on Equity | 6.48% | 5.20% | 2.35% | 6.62% | 7.22% | 6.43% | 2.27% | 7.52% | +90 bps | |
| Net Interest Margin | 1.61% | 1.68% | 1.91% | 1.93% | 1.95% | 1.99% | 1.98% | 1.99% | +7 bps | |
| Efficiency Ratio | 63.68% | 66.50% | 76.16% | 61.15% | 59.60% | 60.29% | 73.80% | 59.51% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.34% | 8.55% | 6.93% | 6.28% | 6.71% | 6.79% | 5.94% | 5.87% | -42 bps | |
| Loan Growth (YoY) | 5.91% | 4.13% | 1.21% | 0.54% | -1.79% | -3.03% | -2.09% | -1.36% | -189 bps | |
| Share Growth (YoY) | 9.59% | 9.09% | 6.10% | 5.32% | 6.32% | 5.31% | 5.40% | 5.66% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.28% | 0.25% | 0.34% | 0.36% | 0.41% | 0.27% | 0.29% | -5 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 | 10.20% | 9.98% | 9.73% | 9.95% | 10.12% | 9.97% | 9.79% | 10.07% | +12 bps | |
| Net Worth / Assets | 10.20% | 9.98% | 9.73% | 9.95% | 10.12% | 9.97% | 9.79% | 10.07% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.02% | 59.58% | 56.25% | 56.14% | 55.45% | 54.86% | 52.25% | 52.41% | -373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |