PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Frankenmuth

Frankenmuth, MI · Charter 61755

NCUA · 31 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BShares
$159.0MNet 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 1.34%, up 18 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.19% of loans (+22 bps YoY).
  • Capital: net worth / assets of 10.02%, up 44 bps from a year ago.
  • Funding: loans stand at 82.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.34%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+28 bps YoY

Efficiency Ratio (quarter, annualized)

74.25%-248 bps YoY

Net Worth / Assets

10.02%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.08%1.04%1.51%1.34%+18 bps
Return on Equity12.14%11.16%10.66%15.34%13.41%+127 bps
Net Interest Margin3.52%3.57%3.61%3.75%3.79%+28 bps
Efficiency Ratio76.73%75.90%76.25%73.37%74.25%-248 bps
Growth
Asset Growth (YoY)11.29%10.37%7.01%7.82%7.06%-423 bps
Loan Growth (YoY)5.76%7.36%6.51%5.55%5.19%-57 bps
Share Growth (YoY)10.15%9.89%6.99%7.96%7.73%-241 bps
Asset Quality
Delinquent Loans / Loans0.97%1.09%0.95%1.07%1.19%+22 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 Capital9.58%9.71%9.77%9.85%10.02%+44 bps
Net Worth / Assets9.58%9.71%9.77%9.85%10.02%+44 bps
Liquidity & Funding
Loans / Shares84.26%84.55%83.20%81.46%82.27%-199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps