PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Holy Spirit Parish

Saginaw, MI · Charter 61756

NCUA · 2 branches

Q4 2025

$38.5MAssets
$17.8MLoans
$35.4MShares
$4.0MNet 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 0.45%, up 62 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 1.33% of loans (+132 bps YoY).
  • Capital: net worth / assets of 10.44%, up 81 bps from a year ago.
  • Funding: loans stand at 50.32% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.45%+62 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+67 bps YoY

Efficiency Ratio (YTD, annualized)

88.79%-1,739 bps YoY

Net Worth / Assets

10.44%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.18%0.13%0.14%0.44%0.45%+62 bps
Return on Equity-1.82%1.28%1.43%4.12%4.27%+610 bps
Net Interest Margin2.46%3.01%2.94%3.20%3.13%+67 bps
Efficiency Ratio106.18%96.40%95.95%89.64%88.79%-1,739 bps
Growth
Asset Growth (YoY)-3.09%-5.28%-8.45%-4.53%-3.93%-84 bps
Loan Growth (YoY)-4.11%-2.17%-0.30%2.01%4.60%+871 bps
Share Growth (YoY)-2.17%-4.03%-10.03%-5.55%-5.34%-317 bps
Asset Quality
Delinquent Loans / Loans0.01%0.21%0.04%1.44%1.33%+132 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 Capital9.63%10.19%9.82%10.67%10.44%+81 bps
Net Worth / Assets9.63%10.19%9.82%10.67%10.44%+81 bps
Liquidity & Funding
Loans / Shares45.54%49.46%47.58%51.74%50.32%+478 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps