Traverse City, MI · Charter 61365
NCUA · 21 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.36% | 0.27% | 0.52% | 0.72% | 0.76% | 0.34% | 0.61% | +9 bps | |
| Return on Equity | 3.06% | 3.74% | 2.95% | 5.46% | 7.44% | 7.75% | 3.44% | 5.96% | +50 bps | |
| Net Interest Margin | 4.03% | 4.22% | 4.34% | 4.51% | 4.58% | 4.60% | 4.50% | 4.57% | +6 bps | |
| Efficiency Ratio | 84.44% | 83.29% | 88.21% | 83.37% | 80.42% | 80.50% | 89.30% | 84.77% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -4.94% | -4.55% | -1.97% | -2.80% | 0.48% | -1.38% | 1.35% | +332 bps | |
| Loan Growth (YoY) | -4.14% | -5.09% | -3.72% | -3.36% | -0.47% | -2.03% | -0.67% | 2.70% | +607 bps | |
| Share Growth (YoY) | -9.23% | -9.65% | -8.80% | -6.25% | -3.43% | -0.84% | 1.69% | 4.40% | +1,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.23% | 0.67% | 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 | 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 | 9.25% | 9.63% | 9.17% | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Net Worth / Assets | 9.25% | 9.63% | 9.17% | 9.44% | 9.67% | 9.82% | 9.98% | 10.15% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.80% | 82.40% | 80.92% | 82.13% | 83.28% | 81.41% | 79.04% | 80.80% | -133 bps | |
| Liquid Assets / Assets | 98.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |