Muskegon, MI · Charter 61631
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 | -0.44% | -0.31% | -0.19% | -0.04% | -0.25% | -0.12% | 0.67% | 0.77% | +81 bps | |
| Return on Equity | -5.70% | -3.90% | -2.42% | -0.50% | -3.06% | -1.51% | 7.99% | 8.92% | +942 bps | |
| Net Interest Margin | 3.59% | 3.71% | 4.01% | 4.14% | 4.34% | 4.47% | 4.64% | 4.76% | +62 bps | |
| Efficiency Ratio | 85.62% | 85.59% | 93.87% | 88.68% | 87.32% | 85.07% | 78.94% | 79.06% | -961 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | -4.20% | -3.34% | -2.62% | -7.36% | -4.72% | -5.01% | -5.83% | -320 bps | |
| Loan Growth (YoY) | -9.81% | -9.40% | -9.44% | -6.46% | -4.60% | -3.24% | -6.29% | -11.34% | -488 bps | |
| Share Growth (YoY) | 1.67% | 1.77% | -2.69% | -2.62% | -7.49% | -4.94% | -5.12% | -6.28% | -366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.26% | 0.34% | 1.55% | 3.17% | 2.90% | 1.80% | 0.54% | 4.04% | +86 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 | 7.71% | 7.87% | 7.89% | 7.95% | 8.10% | 8.08% | 8.34% | 8.66% | +71 bps | |
| Net Worth / Assets | 7.71% | 7.87% | 7.89% | 7.95% | 8.10% | 8.08% | 8.34% | 8.66% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.10% | 95.64% | 95.84% | 94.96% | 97.04% | 97.35% | 94.65% | 89.84% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |