Frankenmuth, MI · Charter 61755
NCUA · 31 branches
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 | 1.05% | 0.85% | 1.30% | 1.16% | 1.08% | 1.04% | 1.51% | 1.34% | +18 bps | |
| Return on Equity | 10.75% | 9.00% | 13.73% | 12.14% | 11.16% | 10.66% | 15.34% | 13.41% | +127 bps | |
| Net Interest Margin | 3.40% | 3.31% | 3.47% | 3.52% | 3.57% | 3.61% | 3.75% | 3.79% | +28 bps | |
| Efficiency Ratio | 79.10% | 79.49% | 77.47% | 76.73% | 75.90% | 76.25% | 73.37% | 74.25% | -248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 7.59% | 9.19% | 11.29% | 10.37% | 7.01% | 7.82% | 7.06% | -423 bps | |
| Loan Growth (YoY) | 4.08% | 3.43% | 4.37% | 5.76% | 7.36% | 6.51% | 5.55% | 5.19% | -57 bps | |
| Share Growth (YoY) | 5.24% | 7.16% | 8.51% | 10.15% | 9.89% | 6.99% | 7.96% | 7.73% | -241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.65% | 0.77% | 0.97% | 1.09% | 0.95% | 1.07% | 1.19% | +22 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 | 9.76% | 9.39% | 9.50% | 9.58% | 9.71% | 9.77% | 9.85% | 10.02% | +44 bps | |
| Net Worth / Assets | 9.76% | 9.39% | 9.50% | 9.58% | 9.71% | 9.77% | 9.85% | 10.02% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.54% | 83.58% | 83.33% | 84.26% | 84.55% | 83.20% | 81.46% | 82.27% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |