Grand Rapids, MI · Charter 60936
NCUA · 10 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 | 0.40% | 0.44% | -0.53% | -0.22% | 0.28% | 0.35% | 0.13% | 0.37% | +59 bps | |
| Return on Equity | 2.79% | 3.12% | -4.43% | -1.81% | 2.40% | 2.97% | 1.13% | 3.20% | +501 bps | |
| Net Interest Margin | 3.54% | 3.48% | 3.50% | 3.62% | 4.02% | 4.01% | 3.89% | 3.96% | +34 bps | |
| Efficiency Ratio | 85.70% | 84.33% | 86.47% | 88.81% | 85.06% | 85.53% | 88.40% | 84.58% | -424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 2.94% | 44.24% | 44.68% | 43.92% | 40.52% | -0.68% | 0.69% | -4,400 bps | |
| Loan Growth (YoY) | -1.29% | 1.71% | 42.67% | 42.63% | 44.02% | 44.02% | 8.03% | 8.01% | -3,462 bps | |
| Share Growth (YoY) | 1.30% | 2.71% | 46.76% | 47.76% | 46.14% | 42.91% | -0.33% | 1.08% | -4,669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.82% | 0.50% | 0.63% | 0.68% | 0.90% | 0.61% | 0.73% | +10 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 | 14.48% | 14.22% | 11.89% | 12.00% | 11.52% | 11.61% | 11.41% | 11.49% | -51 bps | |
| Net Worth / Assets | 14.48% | 14.22% | 11.89% | 12.00% | 11.52% | 11.61% | 11.41% | 11.49% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.64% | 79.22% | 73.58% | 75.04% | 78.49% | 79.83% | 79.74% | 80.19% | +515 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |