Kalamazoo, MI · Charter 61708
NCUA · 13 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 | 0.69% | 0.70% | 0.48% | 0.64% | 0.68% | 0.78% | 0.63% | 0.83% | +19 bps | |
| Return on Equity | 7.71% | 7.46% | 5.01% | 6.59% | 6.83% | 7.76% | 6.15% | 7.81% | +122 bps | |
| Net Interest Margin | 2.62% | 2.77% | 2.90% | 2.96% | 3.04% | 3.05% | 3.22% | 3.34% | +38 bps | |
| Efficiency Ratio | 82.62% | 81.46% | 85.67% | 82.20% | 80.36% | 79.10% | 82.81% | 80.02% | -219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.16% | -6.81% | -7.64% | -7.23% | -4.28% | 1.20% | 0.77% | -0.39% | +685 bps | |
| Loan Growth (YoY) | -3.51% | -5.39% | -5.58% | -5.63% | -5.23% | -3.61% | -2.87% | -1.18% | +446 bps | |
| Share Growth (YoY) | 1.14% | 0.74% | 2.23% | 2.97% | 4.92% | 3.12% | 0.72% | -0.51% | -347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.94% | 1.37% | 1.80% | 1.47% | 1.74% | 1.28% | 1.81% | +1 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 | 8.98% | 9.42% | 9.60% | 9.75% | 9.99% | 10.03% | 10.28% | 10.61% | +85 bps | |
| Net Worth / Assets | 8.98% | 9.42% | 9.60% | 9.75% | 9.99% | 10.03% | 10.28% | 10.61% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.08% | 94.75% | 90.52% | 89.53% | 89.50% | 88.56% | 87.29% | 88.92% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.76% | 0.00% | 0.00% | 99.45% | 99.88% | +12 bps | |