Saginaw, MI · Charter 61909
NCUA · 3 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 | 0.51% | 0.33% | -0.44% | 0.31% | 0.57% | 0.55% | -0.41% | 0.25% | -6 bps | |
| Return on Equity | 5.41% | 3.64% | -5.12% | 3.50% | 6.05% | 5.81% | -4.38% | 2.52% | -98 bps | |
| Net Interest Margin | 3.78% | 3.76% | 3.83% | 3.96% | 4.18% | 4.23% | 4.00% | 4.19% | +24 bps | |
| Efficiency Ratio | 74.21% | 75.23% | 85.13% | 76.55% | 74.54% | 75.39% | 85.12% | 81.52% | +497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.34% | 6.43% | 6.28% | 4.56% | 2.24% | -0.96% | -4.96% | -7.28% | -1,184 bps | |
| Loan Growth (YoY) | -10.10% | -9.54% | -10.82% | -9.57% | -6.59% | -3.41% | 0.68% | 4.48% | +1,405 bps | |
| Share Growth (YoY) | 5.92% | 7.07% | 7.11% | 4.06% | 1.49% | -1.45% | -6.23% | -7.71% | -1,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.59% | 1.61% | 2.36% | 2.99% | 2.68% | 2.07% | 2.62% | +25 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 | 9.44% | 9.06% | 8.54% | 8.92% | 9.44% | 9.53% | 9.38% | 9.98% | +105 bps | |
| Net Worth / Assets | 9.44% | 9.06% | 8.54% | 8.92% | 9.44% | 9.53% | 9.38% | 9.98% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.04% | 52.64% | 48.02% | 47.95% | 49.73% | 51.60% | 51.56% | 54.29% | +633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |