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Gratiot Community

Alma, MI · Charter 61986

NCUA · 4 branches

Q2 2026

$59.7MAssets
$40.8MLoans
$53.1MShares
$5.5MNet 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 1.28%, up 70 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.32% of loans (-39 bps YoY).
  • Capital: net worth / assets of 9.13%, up 78 bps from a year ago.
  • Funding: loans stand at 76.93% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.28%+70 bps YoY

Net Interest Margin (quarter, annualized)

4.55%+24 bps YoY

Efficiency Ratio (quarter, annualized)

73.70%-179 bps YoY

Net Worth / Assets

9.13%+78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.92%0.99%1.26%1.28%+70 bps
Return on Equity6.99%10.52%11.48%14.51%14.06%+707 bps
Net Interest Margin4.31%4.38%4.32%4.41%4.55%+24 bps
Efficiency Ratio75.49%74.52%73.95%72.43%73.70%-179 bps
Growth
Asset Growth (YoY)2.27%4.73%6.19%7.66%6.11%+384 bps
Loan Growth (YoY)-11.98%-8.32%-3.24%4.70%11.08%+2,306 bps
Share Growth (YoY)2.24%3.16%5.35%6.28%4.51%+226 bps
Asset Quality
Delinquent Loans / Loans0.70%0.11%0.37%0.16%0.32%-39 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 Capital8.35%8.76%8.59%8.69%9.13%+78 bps
Net Worth / Assets8.35%8.76%8.59%8.69%9.13%+78 bps
Liquidity & Funding
Loans / Shares72.38%73.56%71.20%72.10%76.93%+455 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps