Bay City, MI · Charter 61619
NCUA · 2 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 | 1.21% | 1.19% | 1.22% | 1.19% | 1.07% | 0.96% | 0.67% | 0.70% | -49 bps | |
| Return on Equity | 9.42% | 9.36% | 9.75% | 9.40% | 8.34% | 7.64% | 5.41% | 5.73% | -367 bps | |
| Net Interest Margin | 3.96% | 3.88% | 3.80% | 3.84% | 3.84% | 3.77% | 3.71% | 3.72% | -13 bps | |
| Efficiency Ratio | 75.05% | 75.22% | 76.89% | 76.77% | 77.90% | 79.09% | 83.48% | 82.74% | +598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 5.11% | 7.80% | 7.82% | 9.03% | 8.93% | 8.15% | 9.06% | +125 bps | |
| Loan Growth (YoY) | 4.01% | 1.74% | 0.57% | 4.38% | 4.64% | 4.16% | 7.47% | 5.19% | +81 bps | |
| Share Growth (YoY) | -0.12% | 3.97% | 6.99% | 7.13% | 8.75% | 8.77% | 8.15% | 9.22% | +210 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.48% | 0.31% | 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 | 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 | 12.83% | 12.71% | 12.50% | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Net Worth / Assets | 12.83% | 12.71% | 12.50% | 12.69% | 12.78% | 12.56% | 12.30% | 12.29% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.46% | 71.01% | 66.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |