Grand Blanc, MI · Charter 61159
NCUA · 17 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 | 0.42% | 0.52% | 0.22% | 0.16% | 0.18% | 0.08% | 0.28% | 0.27% | +11 bps | |
| Return on Equity | 4.29% | 5.16% | 2.16% | 1.58% | 1.75% | 0.77% | 2.85% | 2.74% | +116 bps | |
| Net Interest Margin | 4.13% | 4.20% | 4.51% | 4.56% | 4.65% | 4.63% | 4.63% | 4.69% | +13 bps | |
| Efficiency Ratio | 83.61% | 82.01% | 85.87% | 82.68% | 81.33% | 80.40% | 81.64% | 81.95% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | -0.10% | -0.76% | 0.54% | -1.76% | -0.03% | 4.01% | 3.11% | +257 bps | |
| Loan Growth (YoY) | 4.13% | 3.67% | 5.13% | 3.58% | 2.87% | 0.24% | -0.75% | 2.29% | -129 bps | |
| Share Growth (YoY) | -0.47% | 1.60% | 1.63% | 3.31% | 3.46% | 3.96% | 3.99% | 3.12% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.29% | 1.66% | 1.98% | 1.95% | 1.18% | 0.86% | 0.80% | -118 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 | 9.80% | 10.03% | 10.14% | 10.06% | 10.19% | 9.98% | 9.72% | 9.77% | -29 bps | |
| Net Worth / Assets | 9.80% | 10.03% | 10.14% | 10.06% | 10.19% | 9.98% | 9.72% | 9.77% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.57% | 91.97% | 89.28% | 88.76% | 91.04% | 88.68% | 85.21% | 88.05% | -72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |