Houghton Lake, MI · Charter 61953
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.33% | 1.28% | 1.38% | 1.36% | +4 bps | |
| Return on Equity | 12.13% | 11.97% | 11.34% | 12.24% | 11.77% | -36 bps | |
| Net Interest Margin | 4.27% | 4.32% | 4.29% | 4.37% | 4.36% | +9 bps | |
| Efficiency Ratio | 68.94% | 70.06% | 71.41% | 73.39% | 72.17% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.86% | 8.45% | 7.89% | 9.78% | 6.64% | -322 bps | |
| Loan Growth (YoY) | 18.30% | 17.31% | 15.34% | 15.62% | 15.27% | -303 bps | |
| Share Growth (YoY) | 10.18% | 8.94% | 7.69% | 8.51% | 5.32% | -486 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.78% | 1.58% | 0.88% | 0.95% | -38 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 11.12% | 11.25% | 11.31% | 11.55% | +71 bps | |
| Net Worth / Assets | 10.84% | 11.12% | 11.25% | 11.31% | 11.55% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.82% | 80.38% | 79.97% | 79.87% | 85.17% | +735 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |