Traverse City, MI · Charter 61365
NCUA · 21 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 | 0.52% | 0.72% | 0.76% | 0.34% | 0.61% | +9 bps | |
| Return on Equity | 5.46% | 7.44% | 7.75% | 3.44% | 5.96% | +50 bps | |
| Net Interest Margin | 4.51% | 4.58% | 4.60% | 4.50% | 4.57% | +6 bps | |
| Efficiency Ratio | 83.37% | 80.42% | 80.50% | 89.30% | 84.77% | +140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.97% | -2.80% | 0.48% | -1.38% | 1.35% | +332 bps | |
| Loan Growth (YoY) | -3.36% | -0.47% | -2.03% | -0.67% | 2.70% | +607 bps | |
| Share Growth (YoY) | -6.25% | -3.43% | -0.84% | 1.69% | 4.40% | +1,065 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 1.09% | 2.11% | 1.62% | 1.73% | +94 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 | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Net Worth / Assets | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.13% | 83.28% | 81.41% | 79.04% | 80.80% | -133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |