Traverse City, MI · Charter 61795
NCUA · 2 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 | 1.20% | 1.24% | 1.29% | 1.43% | 1.44% | 1.37% | 1.09% | 1.20% | -23 bps | |
| Return on Equity | 8.83% | 9.11% | 9.22% | 10.05% | 9.84% | 9.38% | 7.44% | 8.08% | -197 bps | |
| Net Interest Margin | 3.39% | 3.48% | 4.01% | 4.14% | 4.28% | 4.37% | 4.46% | 4.44% | +30 bps | |
| Efficiency Ratio | 68.56% | 67.88% | 68.00% | 64.62% | 63.47% | 63.55% | 68.10% | 66.33% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.57% | 6.45% | 6.71% | 5.57% | 2.74% | 2.42% | 3.71% | 4.49% | -108 bps | |
| Loan Growth (YoY) | 11.84% | 7.69% | 7.84% | 8.79% | 7.50% | 5.60% | 4.05% | 0.58% | -821 bps | |
| Share Growth (YoY) | 4.97% | 5.51% | 5.86% | 4.74% | 1.79% | 1.53% | 3.09% | 3.80% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.45% | 0.92% | 1.31% | 1.06% | 1.91% | 1.65% | 0.42% | -89 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 | 13.62% | 13.65% | 13.93% | 14.21% | 14.59% | 14.61% | 14.69% | 14.79% | +58 bps | |
| Net Worth / Assets | 13.62% | 13.65% | 13.93% | 14.21% | 14.59% | 14.61% | 14.69% | 14.79% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.40% | 78.85% | 79.92% | 82.50% | 83.85% | 82.01% | 80.67% | 79.93% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |