Bay City, MI · Charter 61995
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.05% | 0.03% | 0.37% | 0.26% | +44 bps | |
| Return on Equity | -2.02% | -0.53% | 0.29% | 4.04% | 2.86% | +488 bps | |
| Net Interest Margin | 3.29% | 3.54% | 3.68% | 3.82% | 3.83% | +53 bps | |
| Efficiency Ratio | 105.22% | 101.43% | 98.70% | 93.95% | 94.07% | -1,115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.50% | -2.68% | -4.23% | -3.41% | -2.09% | -259 bps | |
| Loan Growth (YoY) | -2.97% | 3.09% | 6.45% | 11.62% | 14.92% | +1,789 bps | |
| Share Growth (YoY) | 0.75% | -2.91% | -5.71% | -4.68% | -3.02% | -376 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.21% | 0.15% | 0.10% | 0.07% | -28 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 | 8.79% | 9.27% | 9.45% | 9.21% | 9.21% | +42 bps | |
| Net Worth / Assets | 8.79% | 9.27% | 9.45% | 9.21% | 9.21% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.84% | 41.18% | 42.96% | 42.23% | 43.65% | +681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |