PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community West

Kentwood, MI · Charter 61677

NCUA · 5 branches

Q2 2026

$252.4MAssets
$145.9MLoans
$229.1MShares
$23.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.38%, up 22 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.37% of loans (-15 bps YoY).
  • Capital: net worth / assets of 9.28%, up 31 bps from a year ago.
  • Funding: loans stand at 63.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+39 bps YoY

Efficiency Ratio (YTD, annualized)

89.79%-708 bps YoY

Net Worth / Assets

9.28%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.17%0.23%0.18%0.38%+22 bps
Return on Equity1.78%1.84%2.57%2.05%4.09%+231 bps
Net Interest Margin2.76%2.88%2.91%2.99%3.15%+39 bps
Efficiency Ratio96.87%93.69%91.12%91.56%89.79%-708 bps
Growth
Asset Growth (YoY)-2.08%0.24%1.61%1.39%0.38%+245 bps
Loan Growth (YoY)-2.90%1.25%2.11%1.17%-0.30%+260 bps
Share Growth (YoY)-0.23%-0.14%0.86%1.19%0.19%+43 bps
Asset Quality
Delinquent Loans / Loans0.52%0.45%0.37%0.43%0.37%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.97%9.15%9.13%8.94%9.28%+31 bps
Net Worth / Assets8.97%9.15%9.13%8.94%9.28%+31 bps
Liquidity & Funding
Loans / Shares64.00%66.20%64.91%61.79%63.69%-31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps