Saginaw, MI · Charter 61756
NCUA · 2 branches
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.19% | -0.16% | -0.18% | 0.13% | 0.14% | 0.44% | 0.45% | +62 bps | |
| Return on Equity | 0.60% | -2.09% | -1.62% | -1.82% | 1.28% | 1.43% | 4.12% | 4.27% | +610 bps | |
| Net Interest Margin | 2.35% | 2.16% | 2.45% | 2.46% | 3.01% | 2.94% | 3.20% | 3.13% | +67 bps | |
| Efficiency Ratio | 106.74% | 110.37% | 106.05% | 106.18% | 96.40% | 95.95% | 89.64% | 88.79% | -1,739 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.37% | 0.98% | 1.91% | -3.09% | -5.28% | -8.45% | -4.53% | -3.93% | -84 bps | |
| Loan Growth (YoY) | 14.66% | 7.87% | 3.73% | -4.11% | -2.17% | -0.30% | 2.01% | 4.60% | +871 bps | |
| Share Growth (YoY) | -3.34% | -0.07% | 2.62% | -2.17% | -4.03% | -10.03% | -5.55% | -5.34% | -317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.04% | 0.07% | 0.01% | 0.21% | 0.04% | 1.44% | 1.33% | +132 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 | 9.84% | 9.02% | 9.97% | 9.63% | 10.19% | 9.82% | 10.67% | 10.44% | +81 bps | |
| Net Worth / Assets | 9.84% | 9.02% | 9.97% | 9.63% | 10.19% | 9.82% | 10.67% | 10.44% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.52% | 42.93% | 47.91% | 45.54% | 49.46% | 47.58% | 51.74% | 50.32% | +478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |