Saginaw, MI · Charter 61657
NCUA · 10 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 | 0.33% | 0.45% | 0.69% | 0.69% | 0.66% | 0.72% | 0.72% | 0.92% | +23 bps | |
| Return on Equity | 3.01% | 4.14% | 6.37% | 6.37% | 6.18% | 6.66% | 6.72% | 8.57% | +220 bps | |
| Net Interest Margin | 2.66% | 2.71% | 2.95% | 2.99% | 3.01% | 3.06% | 3.36% | 3.36% | +38 bps | |
| Efficiency Ratio | 79.24% | 77.43% | 76.30% | 76.45% | 76.95% | 76.00% | 77.33% | 73.53% | -292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -1.26% | 1.72% | 4.77% | 7.19% | 8.21% | 6.97% | 8.26% | +349 bps | |
| Loan Growth (YoY) | -3.14% | -1.62% | 1.62% | 5.30% | 8.52% | 9.13% | 7.44% | 6.05% | +75 bps | |
| Share Growth (YoY) | -2.74% | -2.12% | 0.19% | 3.30% | 6.71% | 7.23% | 6.45% | 8.03% | +473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.93% | 0.65% | 0.72% | 0.65% | 0.70% | 0.40% | 1.03% | +31 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 | 10.84% | 10.97% | 10.79% | 10.79% | 10.74% | 10.78% | 10.74% | 10.73% | -6 bps | |
| Net Worth / Assets | 10.84% | 10.97% | 10.79% | 10.79% | 10.74% | 10.78% | 10.74% | 10.73% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.15% | 67.80% | 66.97% | 68.22% | 68.29% | 69.01% | 67.59% | 66.97% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |