Adrian, MI · Charter 60991
NCUA · 2 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 | 1.26% | 1.31% | 1.27% | 1.29% | 1.36% | 1.35% | 1.08% | 1.09% | -20 bps | |
| Return on Equity | 11.19% | 11.54% | 11.24% | 11.14% | 11.27% | 11.19% | 8.98% | 9.01% | -213 bps | |
| Net Interest Margin | 2.94% | 2.97% | 2.96% | 3.02% | 3.10% | 3.09% | 2.93% | 2.98% | -4 bps | |
| Efficiency Ratio | 65.71% | 64.26% | 64.41% | 64.79% | 63.87% | 63.03% | 69.82% | 69.33% | +454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.84% | 8.34% | 7.92% | 7.08% | 5.59% | 6.17% | 5.70% | 5.97% | -111 bps | |
| Loan Growth (YoY) | -3.94% | -5.20% | -1.22% | 4.16% | 5.10% | 6.60% | 2.93% | -0.12% | -428 bps | |
| Share Growth (YoY) | 7.68% | 7.78% | 6.90% | 6.09% | 4.52% | 5.45% | 5.15% | 5.32% | -77 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.45% | 0.21% | 0.29% | 0.30% | 0.32% | 0.16% | 0.21% | -7 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 | 11.27% | 11.37% | 11.32% | 11.57% | 12.05% | 12.05% | 11.98% | 12.14% | +57 bps | |
| Net Worth / Assets | 11.27% | 11.37% | 11.32% | 11.57% | 12.05% | 12.05% | 11.98% | 12.14% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.98% | 64.99% | 63.82% | 65.65% | 68.36% | 65.70% | 62.47% | 62.26% | -339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |