Lansing, MI · Charter 60947
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.09% | 1.09% | 1.05% | 1.05% | -3 bps | |
| Return on Equity | 6.47% | 6.63% | 6.45% | 6.27% | 6.26% | -21 bps | |
| Net Interest Margin | 3.34% | 3.25% | 3.31% | 3.21% | 3.25% | -9 bps | |
| Efficiency Ratio | 68.41% | 67.71% | 68.42% | 70.88% | 70.05% | +164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.47% | 8.86% | 7.37% | 5.43% | 5.77% | +130 bps | |
| Loan Growth (YoY) | -0.09% | -2.17% | -3.51% | -2.19% | -3.24% | -315 bps | |
| Share Growth (YoY) | 4.69% | 7.97% | 7.62% | 5.26% | 5.82% | +113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.56% | 0.30% | 0.55% | 1.28% | +64 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.64% | 16.42% | 16.85% | 16.72% | 16.80% | +16 bps | |
| Net Worth / Assets | 16.64% | 16.42% | 16.85% | 16.72% | 16.80% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.59% | 50.59% | 50.23% | 48.77% | 48.09% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |