Bay City, MI · Charter 61186
NCUA · 6 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 | 0.14% | 0.28% | 0.41% | 0.42% | 0.50% | +36 bps | |
| Return on Equity | 2.01% | 3.89% | 5.61% | 5.80% | 6.64% | +462 bps | |
| Net Interest Margin | 3.69% | 3.83% | 3.90% | 4.07% | 4.19% | +50 bps | |
| Efficiency Ratio | 87.95% | 87.30% | 86.48% | 85.96% | 84.86% | -309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.43% | 5.23% | 4.53% | 2.83% | 0.35% | -608 bps | |
| Loan Growth (YoY) | 4.99% | 5.64% | 5.86% | 3.88% | 2.72% | -227 bps | |
| Share Growth (YoY) | 6.76% | 5.28% | 4.57% | 2.50% | -0.37% | -713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.52% | 0.76% | 0.52% | 0.60% | +13 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 | 6.96% | 7.21% | 7.39% | 7.32% | 7.50% | +53 bps | |
| Net Worth / Assets | 6.96% | 7.21% | 7.39% | 7.32% | 7.50% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.02% | 89.63% | 89.06% | 86.68% | 89.71% | +270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |