Norton Shores, MI · Charter 61633
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 | 0.51% | 0.54% | 0.35% | 0.38% | 0.39% | 0.33% | 0.26% | 0.25% | -13 bps | |
| Return on Equity | 4.23% | 4.43% | 2.97% | 3.19% | 3.30% | 2.80% | 2.29% | 2.22% | -97 bps | |
| Net Interest Margin | 3.56% | 3.62% | 3.57% | 3.57% | 3.60% | 3.57% | 3.49% | 3.42% | -15 bps | |
| Efficiency Ratio | 83.38% | 83.54% | 89.68% | 89.03% | 88.01% | 88.54% | 90.87% | 90.45% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 0.41% | 2.51% | 3.51% | 5.18% | 7.45% | 6.50% | 8.73% | +522 bps | |
| Loan Growth (YoY) | 1.02% | -3.14% | -4.34% | -5.93% | -2.87% | -2.10% | 0.51% | 1.65% | +758 bps | |
| Share Growth (YoY) | -0.49% | -0.60% | 1.47% | 2.83% | 5.07% | 7.77% | 6.86% | 9.44% | +661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.03% | 0.99% | 0.93% | 1.25% | 1.01% | 1.02% | 0.89% | -3 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 | 11.97% | 12.22% | 11.87% | 11.77% | 11.80% | 11.67% | 11.42% | 11.06% | -71 bps | |
| Net Worth / Assets | 11.97% | 12.22% | 11.87% | 11.77% | 11.80% | 11.67% | 11.42% | 11.06% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.13% | 72.30% | 68.72% | 66.83% | 67.61% | 65.68% | 64.64% | 62.07% | -476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |