PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consumers Professional

Lansing, MI · Charter 60947

NCUA · 3 branches

Q2 2026

$149.7MAssets
$60.3MLoans
$125.5MShares
$25.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, down 3 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 1.28% of loans (+64 bps YoY).
  • Capital: net worth / assets of 16.80%, up 16 bps from a year ago.
  • Funding: loans stand at 48.09% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.05%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.25%-9 bps YoY

Efficiency Ratio (quarter, annualized)

70.05%+164 bps YoY

Net Worth / Assets

16.80%+16 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.34%0.93%1.08%1.09%1.09%1.05%1.05%-3 bps
Return on Equity8.37%8.05%5.68%6.47%6.63%6.45%6.27%6.26%-21 bps
Net Interest Margin3.63%3.61%3.28%3.34%3.25%3.31%3.21%3.25%-9 bps
Efficiency Ratio64.71%65.34%72.41%68.41%67.71%68.42%70.88%70.05%+164 bps
Growth
Asset Growth (YoY)0.17%0.39%3.17%4.47%8.86%7.37%5.43%5.77%+130 bps
Loan Growth (YoY)-1.58%-1.38%-1.45%-0.09%-2.17%-3.51%-2.19%-3.24%-315 bps
Share Growth (YoY)-0.68%-0.65%3.11%4.69%7.97%7.62%5.26%5.82%+113 bps
Asset Quality
Delinquent Loans / Loans0.34%0.27%0.50%0.64%0.56%0.30%0.55%1.28%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.41%16.66%16.46%16.64%16.42%16.85%16.72%16.80%+16 bps
Net Worth / Assets16.41%16.66%16.46%16.64%16.42%16.85%16.72%16.80%+16 bps
Liquidity & Funding
Loans / Shares55.84%56.03%52.49%52.59%50.59%50.23%48.77%48.09%-450 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps