Adrian, MI · Charter 60509
NCUA · 8 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 | 1.24% | 1.24% | 0.61% | 1.00% | 1.09% | 1.10% | 0.77% | 1.15% | +16 bps | |
| Return on Equity | 8.03% | 7.98% | 4.04% | 7.08% | 7.55% | 7.63% | 5.42% | 7.97% | +89 bps | |
| Net Interest Margin | 2.80% | 2.77% | 2.63% | 2.58% | 2.70% | 2.72% | 2.88% | 2.95% | +37 bps | |
| Efficiency Ratio | 67.40% | 66.91% | 79.60% | 71.00% | 69.36% | 68.67% | 76.37% | 69.15% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.70% | 9.56% | 11.17% | 20.83% | 15.75% | 17.30% | 14.16% | 5.47% | -1,537 bps | |
| Loan Growth (YoY) | -0.02% | 4.77% | 6.24% | 9.42% | 17.60% | 14.80% | 15.08% | 16.34% | +692 bps | |
| Share Growth (YoY) | 3.46% | 5.06% | 6.07% | 7.61% | 7.20% | 7.85% | 5.45% | 4.82% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.15% | 0.04% | 0.11% | 0.16% | 0.13% | 0.10% | 0.14% | +2 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 | 15.41% | 15.58% | 15.02% | 14.06% | 14.39% | 14.36% | 14.28% | 14.48% | +42 bps | |
| Net Worth / Assets | 15.41% | 15.58% | 15.02% | 14.06% | 14.39% | 14.36% | 14.28% | 14.48% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.37% | 55.63% | 53.90% | 54.48% | 59.65% | 59.21% | 58.82% | 60.47% | +599 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |