PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Case

Lansing, MI · Charter 61908

NCUA · 4 branches

Q2 2026

$400.1MAssets
$294.0MLoans
$338.5MShares
$43.9MNet 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 0.30%, down 14 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.85% of loans (-24 bps YoY).
  • Capital: net worth / assets of 10.97%, up 60 bps from a year ago.
  • Funding: loans stand at 86.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+33 bps YoY

Efficiency Ratio (YTD, annualized)

86.87%+440 bps YoY

Net Worth / Assets

10.97%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.59%0.80%0.36%0.30%-14 bps
Return on Equity4.28%5.42%7.32%3.30%2.73%-155 bps
Net Interest Margin4.04%4.27%4.22%4.31%4.37%+33 bps
Efficiency Ratio82.47%80.23%77.72%86.24%86.87%+440 bps
Growth
Asset Growth (YoY)1.68%0.57%1.64%0.90%0.12%-156 bps
Loan Growth (YoY)-1.14%-1.24%0.57%0.47%1.60%+274 bps
Share Growth (YoY)2.22%1.91%1.76%2.27%2.11%-11 bps
Asset Quality
Delinquent Loans / Loans1.08%1.08%0.86%0.60%0.85%-24 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 Capital10.37%10.94%10.94%10.77%10.97%+60 bps
Net Worth / Assets10.37%10.94%10.94%10.77%10.97%+60 bps
Liquidity & Funding
Loans / Shares87.28%91.72%90.80%87.12%86.85%-43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps