Bay City, MI · Charter 61619
NCUA · 2 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 | 1.19% | 1.07% | 0.96% | 0.67% | 0.70% | -49 bps | |
| Return on Equity | 9.40% | 8.34% | 7.64% | 5.41% | 5.73% | -367 bps | |
| Net Interest Margin | 3.84% | 3.84% | 3.77% | 3.71% | 3.72% | -13 bps | |
| Efficiency Ratio | 76.77% | 77.90% | 79.09% | 83.48% | 82.74% | +598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.82% | 9.03% | 8.93% | 8.15% | 9.06% | +125 bps | |
| Loan Growth (YoY) | 4.38% | 4.64% | 4.16% | 7.47% | 5.19% | +81 bps | |
| Share Growth (YoY) | 7.13% | 8.75% | 8.77% | 8.15% | 9.22% | +210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.82% | 1.01% | 0.72% | 0.66% | -30 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 | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Net Worth / Assets | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.66% | 71.64% | 68.00% | 66.01% | 66.12% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |