Lansing, MI · Charter 61908
NCUA · 4 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 | 0.86% | 0.62% | 0.10% | 0.44% | 0.59% | 0.80% | 0.36% | 0.30% | -14 bps | |
| Return on Equity | 8.07% | 5.98% | 0.96% | 4.28% | 5.42% | 7.32% | 3.30% | 2.73% | -155 bps | |
| Net Interest Margin | 3.94% | 3.93% | 3.91% | 4.04% | 4.27% | 4.22% | 4.31% | 4.37% | +33 bps | |
| Efficiency Ratio | 73.84% | 73.03% | 87.89% | 82.47% | 80.23% | 77.72% | 86.24% | 86.87% | +440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -1.08% | 1.48% | 1.68% | 0.57% | 1.64% | 0.90% | 0.12% | -156 bps | |
| Loan Growth (YoY) | -4.52% | -1.25% | -0.05% | -1.14% | -1.24% | 0.57% | 0.47% | 1.60% | +274 bps | |
| Share Growth (YoY) | -5.24% | -0.13% | 1.61% | 2.22% | 1.91% | 1.76% | 2.27% | 2.11% | -11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.03% | 0.70% | 1.08% | 1.08% | 0.86% | 0.60% | 0.85% | -24 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 | 10.69% | 10.42% | 10.13% | 10.37% | 10.94% | 10.94% | 10.77% | 10.97% | +60 bps | |
| Net Worth / Assets | 10.69% | 10.42% | 10.13% | 10.37% | 10.94% | 10.94% | 10.77% | 10.97% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.65% | 91.88% | 88.67% | 87.28% | 91.72% | 90.80% | 87.12% | 86.85% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |