PackageTrendsPeer
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Adventure

Grand Rapids, MI · Charter 60936

NCUA · 10 branches

Q2 2026

$645.9MAssets
$452.4MLoans
$564.1MShares
$74.2MNet 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 0.37%, up 59 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.73% of loans (+10 bps YoY).
  • Capital: net worth / assets of 11.49%, down 51 bps from a year ago.
  • Funding: loans stand at 80.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+34 bps YoY

Efficiency Ratio (YTD, annualized)

84.58%-424 bps YoY

Net Worth / Assets

11.49%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%0.28%0.35%0.13%0.37%+59 bps
Return on Equity-1.81%2.40%2.97%1.13%3.20%+501 bps
Net Interest Margin3.62%4.02%4.01%3.89%3.96%+34 bps
Efficiency Ratio88.81%85.06%85.53%88.40%84.58%-424 bps
Growth
Asset Growth (YoY)44.68%43.92%40.52%-0.68%0.69%-4,400 bps
Loan Growth (YoY)42.63%44.02%44.02%8.03%8.01%-3,462 bps
Share Growth (YoY)47.76%46.14%42.91%-0.33%1.08%-4,669 bps
Asset Quality
Delinquent Loans / Loans0.63%0.68%0.90%0.61%0.73%+10 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 Capital12.00%11.52%11.61%11.41%11.49%-51 bps
Net Worth / Assets12.00%11.52%11.61%11.41%11.49%-51 bps
Liquidity & Funding
Loans / Shares75.04%78.49%79.83%79.74%80.19%+515 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps