PackageTrendsPeer
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Tahquamenon Area

Newberry, MI · Charter 60423

NCUA · 2 branches

Q2 2026

$69.6MAssets
$27.1MLoans
$62.3MShares
$8.2MNet 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 0.17%, unchanged from a year ago; NIM at 3.02%.
  • Asset quality: problem loans at 0.60% of loans (-72 bps YoY).
  • Capital: net worth / assets of 11.84%, down 53 bps from a year ago.
  • Funding: loans stand at 43.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.17%0 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+13 bps YoY

Efficiency Ratio (quarter, annualized)

92.68%-151 bps YoY

Net Worth / Assets

11.84%-53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.05%0.31%0.22%0.17%0 bps
Return on Equity1.35%0.38%2.54%1.78%1.43%+8 bps
Net Interest Margin2.89%2.83%2.90%3.04%3.02%+13 bps
Efficiency Ratio94.19%96.45%91.36%93.35%92.68%-151 bps
Growth
Asset Growth (YoY)-4.74%-4.53%-3.78%3.58%6.35%+1,109 bps
Loan Growth (YoY)-0.35%-1.08%4.66%5.06%4.79%+514 bps
Share Growth (YoY)-7.79%-6.01%-6.47%3.54%5.82%+1,361 bps
Asset Quality
Delinquent Loans / Loans1.32%1.25%0.98%1.19%0.60%-72 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 Capital12.37%12.12%12.12%12.15%11.84%-53 bps
Net Worth / Assets12.37%12.12%12.12%12.15%11.84%-53 bps
Liquidity & Funding
Loans / Shares43.92%42.81%43.80%42.84%43.49%-43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps