Bay City, MI · Charter 60470
NCUA · 3 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.39% | -0.64% | -0.33% | 0.52% | 0.77% | 0.07% | 0.08% | +41 bps | |
| Return on Equity | -5.96% | -4.51% | -9.29% | -4.65% | 6.42% | 8.98% | 0.86% | 0.93% | +558 bps | |
| Net Interest Margin | 2.97% | 2.97% | 2.56% | 2.64% | 2.87% | 2.99% | 3.09% | 3.12% | +48 bps | |
| Efficiency Ratio | 110.36% | 106.67% | 106.18% | 97.09% | 76.43% | 71.90% | 97.39% | 97.68% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -5.90% | -4.36% | -3.96% | -6.24% | -7.25% | -8.10% | -5.94% | -197 bps | |
| Loan Growth (YoY) | 12.07% | -0.88% | -10.74% | -12.34% | -14.58% | -17.76% | -19.83% | -20.37% | -803 bps | |
| Share Growth (YoY) | -3.97% | -4.83% | -3.14% | -3.10% | -7.78% | -8.49% | -10.91% | -8.68% | -558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.37% | 1.63% | 1.29% | 2.91% | 2.26% | 1.74% | 2.11% | +83 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 | 8.47% | 8.59% | 6.90% | 7.03% | 8.03% | 8.60% | 8.43% | 8.41% | +138 bps | |
| Net Worth / Assets | 8.47% | 8.59% | 6.90% | 7.03% | 8.03% | 8.60% | 8.43% | 8.41% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.39% | 53.96% | 49.06% | 47.73% | 49.45% | 48.49% | 44.15% | 41.62% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |