MT Pleasant, MI · Charter 61318
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.16% | 1.13% | 1.14% | 1.26% | +8 bps | |
| Return on Equity | 12.67% | 12.09% | 11.93% | 11.74% | 12.52% | -15 bps | |
| Net Interest Margin | 3.16% | 3.27% | 3.20% | 3.25% | 3.35% | +19 bps | |
| Efficiency Ratio | 73.56% | 74.06% | 73.86% | 72.77% | 71.79% | -177 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.25% | 4.49% | 6.49% | 5.23% | 4.26% | +2 bps | |
| Loan Growth (YoY) | 6.29% | -1.99% | 0.11% | 2.63% | -1.09% | -738 bps | |
| Share Growth (YoY) | 3.33% | 3.08% | 4.95% | 4.16% | 3.44% | +11 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.68% | 0.81% | 0.81% | 1.14% | +27 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 | 9.29% | 9.56% | 9.51% | 9.71% | 10.07% | +78 bps | |
| Net Worth / Assets | 9.29% | 9.56% | 9.51% | 9.71% | 10.07% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.95% | 60.29% | 59.56% | 58.15% | 58.29% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |