Lincoln Park, MI · Charter 61701
NCUA · 1 branch
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 | 0.85% | 0.84% | 0.91% | 0.96% | 0.88% | 0.79% | 0.60% | 0.70% | -26 bps | |
| Return on Equity | 5.12% | 4.98% | 5.53% | 5.39% | 4.82% | 4.33% | 3.31% | 3.90% | -149 bps | |
| Net Interest Margin | 2.56% | 2.57% | 2.60% | 2.80% | 2.79% | 2.75% | 2.63% | 2.63% | -17 bps | |
| Efficiency Ratio | 73.80% | 74.06% | 71.74% | 72.01% | 74.34% | 76.44% | 80.49% | 76.10% | +409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | -0.22% | 3.41% | -3.22% | -4.46% | -3.95% | -6.09% | 2.94% | +616 bps | |
| Loan Growth (YoY) | -1.17% | -2.36% | -3.81% | -20.16% | -20.50% | -22.40% | -23.51% | -23.14% | -298 bps | |
| Share Growth (YoY) | -3.06% | -1.47% | 0.05% | -6.32% | -7.08% | -8.52% | -8.67% | 1.50% | +782 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.79% | 0.61% | 0.91% | 1.00% | 0.62% | 0.77% | 0.27% | -65 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 | 16.57% | 16.85% | 16.39% | 17.86% | 18.21% | 18.34% | 18.15% | 18.00% | +14 bps | |
| Net Worth / Assets | 16.57% | 16.85% | 16.39% | 17.86% | 18.21% | 18.34% | 18.15% | 18.00% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.91% | 18.79% | 17.29% | 17.69% | 17.04% | 15.94% | 14.48% | 13.40% | -429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |