Saginaw, MI · Charter 61638
NCUA · 3 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 | 0.18% | 0.09% | 0.41% | 0.42% | 0.49% | 0.79% | 0.66% | 0.92% | +50 bps | |
| Return on Equity | 1.32% | 0.67% | 3.08% | 3.11% | 3.52% | 5.43% | 4.63% | 6.20% | +309 bps | |
| Net Interest Margin | 4.17% | 4.15% | 4.25% | 4.41% | 4.60% | 4.99% | 4.79% | 5.04% | +63 bps | |
| Efficiency Ratio | 95.11% | 90.63% | 90.15% | 90.19% | 88.45% | 83.81% | 78.37% | 77.07% | -1,312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 7.27% | 5.56% | 3.77% | 1.73% | -2.56% | -1.92% | -2.90% | -666 bps | |
| Loan Growth (YoY) | 2.13% | 2.17% | 4.09% | 4.17% | 5.56% | 5.18% | 3.89% | 6.66% | +249 bps | |
| Share Growth (YoY) | 7.60% | 7.24% | 4.97% | 3.72% | 0.56% | -4.57% | -3.62% | -4.26% | -798 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.19% | 0.72% | 1.80% | 0.77% | 1.17% | 0.57% | 1.25% | -56 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 | 13.76% | 13.40% | 13.24% | 13.38% | 13.84% | 14.54% | 14.33% | 14.80% | +142 bps | |
| Net Worth / Assets | 13.76% | 13.40% | 13.24% | 13.38% | 13.84% | 14.54% | 14.33% | 14.80% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.79% | 83.79% | 83.55% | 84.92% | 89.00% | 92.35% | 90.06% | 94.61% | +969 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |