Grand Blanc, MI · Charter 61797
NCUA · 13 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 | 2.03% | 1.80% | 1.49% | 1.58% | 1.62% | 1.51% | 0.92% | 0.98% | -60 bps | |
| Return on Equity | 7.83% | 6.91% | 5.83% | 6.09% | 6.64% | 6.32% | 5.19% | 5.51% | -58 bps | |
| Net Interest Margin | 4.28% | 4.25% | 4.18% | 4.20% | 3.89% | 3.84% | 3.11% | 3.44% | -77 bps | |
| Efficiency Ratio | 54.28% | 56.14% | 61.95% | 59.25% | 59.05% | 60.21% | 70.24% | 71.09% | +1,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 3.66% | 5.33% | 5.09% | 13.77% | 16.67% | 53.91% | 55.44% | +5,035 bps | |
| Loan Growth (YoY) | -1.04% | -2.36% | -2.58% | -2.90% | -0.24% | -1.12% | 36.72% | 37.38% | +4,027 bps | |
| Share Growth (YoY) | 3.50% | 4.92% | 6.29% | 5.90% | 17.66% | 19.11% | 69.45% | 72.73% | +6,683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 2.27% | 1.74% | 1.99% | 1.86% | 2.02% | 1.13% | 1.38% | -61 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 | 25.92% | 26.01% | 25.61% | 25.94% | 24.35% | 23.86% | 17.77% | 17.80% | -814 bps | |
| Net Worth / Assets | 25.92% | 26.01% | 25.61% | 25.94% | 24.35% | 23.86% | 17.77% | 17.80% | -814 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.44% | 104.61% | 99.90% | 99.80% | 91.08% | 86.85% | 80.61% | 79.37% | -2,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |