Jackson, MI · Charter 61405
NCUA · 4 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 | 0.30% | 0.37% | 0.35% | 0.35% | 0.61% | 0.63% | 0.17% | 0.13% | -22 bps | |
| Return on Equity | 1.94% | 2.38% | 2.27% | 2.18% | 3.84% | 3.96% | 1.07% | 0.83% | -135 bps | |
| Net Interest Margin | 3.67% | 3.86% | 4.17% | 4.34% | 4.31% | 4.31% | 4.26% | 4.36% | +2 bps | |
| Efficiency Ratio | 87.18% | 85.65% | 82.49% | 83.61% | 81.06% | 79.93% | 83.47% | 85.04% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | -0.91% | -3.94% | -5.45% | -0.76% | 1.35% | 3.98% | 4.59% | +1,004 bps | |
| Loan Growth (YoY) | 11.76% | 1.22% | 0.22% | 0.09% | -0.40% | 1.62% | -0.69% | 4.48% | +439 bps | |
| Share Growth (YoY) | -3.55% | -1.21% | -5.96% | -7.70% | -2.71% | -0.23% | 3.45% | 4.43% | +1,213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.51% | 0.36% | 0.56% | 0.60% | 0.93% | 0.81% | 0.62% | +6 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 | 15.29% | 15.47% | 15.62% | 16.00% | 16.00% | 15.88% | 15.59% | 15.81% | -19 bps | |
| Net Worth / Assets | 15.29% | 15.47% | 15.62% | 16.00% | 16.00% | 15.88% | 15.59% | 15.81% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.68% | 66.71% | 67.66% | 68.20% | 68.27% | 67.95% | 64.95% | 68.23% | +3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |