Kalamazoo, MI · Charter 61219
NCUA · 7 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 | 0.53% | 0.44% | 0.21% | 0.23% | 0.35% | 0.46% | 0.69% | 0.80% | +56 bps | |
| Return on Equity | 5.02% | 4.31% | 2.08% | 2.30% | 3.40% | 4.47% | 6.68% | 7.50% | +520 bps | |
| Net Interest Margin | 3.90% | 3.79% | 3.83% | 3.84% | 4.04% | 4.02% | 4.04% | 4.17% | +33 bps | |
| Efficiency Ratio | 82.86% | 83.91% | 88.03% | 87.06% | 85.25% | 84.22% | 83.29% | 81.33% | -573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | 0.73% | 4.85% | 4.76% | 3.13% | 4.75% | 0.78% | 0.69% | -407 bps | |
| Loan Growth (YoY) | 3.65% | 5.15% | 4.72% | 8.70% | 9.60% | 7.30% | 7.43% | 5.76% | -294 bps | |
| Share Growth (YoY) | -3.46% | 0.31% | 5.27% | 4.96% | 4.40% | 5.13% | 1.76% | 1.98% | -298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.73% | 0.61% | 0.40% | 0.55% | 0.45% | 0.26% | 0.31% | -9 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 | 10.48% | 10.32% | 9.89% | 10.07% | 10.32% | 10.24% | 10.32% | 10.61% | +54 bps | |
| Net Worth / Assets | 10.48% | 10.32% | 9.89% | 10.07% | 10.32% | 10.24% | 10.32% | 10.61% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.35% | 84.58% | 80.05% | 84.71% | 89.60% | 86.32% | 84.51% | 87.85% | +314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |