Escanaba, MI · Charter 6102
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.21% | 0.50% | 0.65% | 0.72% | 0.81% | 0.67% | 0.77% | +12 bps | |
| Return on Equity | 1.76% | 2.09% | 5.13% | 6.46% | 7.08% | 7.96% | 6.63% | 7.49% | +103 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.23% | 3.36% | 3.40% | 3.43% | 3.47% | 3.60% | +25 bps | |
| Efficiency Ratio | 90.00% | 88.32% | 87.23% | 84.07% | 82.69% | 80.75% | 83.78% | 80.31% | -376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 3.83% | 5.92% | 5.09% | 4.72% | 6.39% | 5.79% | 6.87% | +177 bps | |
| Loan Growth (YoY) | -3.29% | -4.01% | -5.86% | -2.82% | 0.43% | 2.67% | 4.55% | 5.33% | +815 bps | |
| Share Growth (YoY) | 5.36% | 3.48% | 3.82% | 2.66% | 3.14% | 3.67% | 3.93% | 5.88% | +322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.25% | 0.90% | 0.53% | 0.67% | 0.61% | 0.70% | 1.15% | +62 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 | 10.02% | 10.02% | 9.77% | 10.09% | 10.19% | 10.23% | 10.07% | 10.32% | +22 bps | |
| Net Worth / Assets | 10.02% | 10.02% | 9.77% | 10.09% | 10.19% | 10.23% | 10.07% | 10.32% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.91% | 44.56% | 42.33% | 44.23% | 44.71% | 44.12% | 42.58% | 44.00% | -23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |