Kalamazoo, MI · Charter 61503
NCUA · 32 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 | 0.51% | 0.62% | 0.80% | 1.09% | 1.18% | 1.08% | 1.05% | 1.10% | +1 bps | |
| Return on Equity | 5.07% | 6.47% | 8.26% | 11.23% | 11.86% | 11.02% | 10.69% | 11.30% | +7 bps | |
| Net Interest Margin | 2.52% | 2.51% | 3.11% | 3.07% | 3.15% | 3.09% | 3.23% | 3.25% | +18 bps | |
| Efficiency Ratio | 78.57% | 74.95% | 70.71% | 65.67% | 65.70% | 66.33% | 64.78% | 63.87% | -179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.14% | 15.29% | 13.26% | 23.74% | 16.84% | 12.23% | 13.13% | 10.14% | -1,360 bps | |
| Loan Growth (YoY) | 3.73% | 17.09% | 19.91% | 24.89% | 25.96% | 12.73% | 13.23% | 12.57% | -1,232 bps | |
| Share Growth (YoY) | 6.22% | 12.29% | 11.81% | 16.21% | 17.78% | 12.53% | 11.38% | 8.29% | -792 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.61% | 0.53% | 0.55% | 0.60% | 0.77% | 0.66% | 0.70% | +15 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 | 10.14% | 9.66% | 9.68% | 9.67% | 9.91% | 9.79% | 9.80% | 9.73% | +6 bps | |
| Net Worth / Assets | 10.14% | 9.66% | 9.68% | 9.67% | 9.91% | 9.79% | 9.80% | 9.73% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.90% | 95.46% | 93.43% | 93.50% | 95.07% | 95.64% | 94.98% | 97.19% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |