Manistee, MI · Charter 62010
NCUA · 4 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 | 1.23% | 1.27% | 1.25% | 1.28% | 1.26% | +3 bps | |
| Return on Equity | 9.91% | 10.20% | 9.92% | 10.10% | 9.85% | -6 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.26% | 3.44% | 3.52% | +35 bps | |
| Efficiency Ratio | 61.64% | 60.69% | 63.28% | 66.64% | 64.19% | +255 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.57% | 5.09% | 7.54% | 7.42% | 7.11% | +454 bps | |
| Loan Growth (YoY) | -1.39% | 1.76% | 3.80% | 7.99% | 13.79% | +1,518 bps | |
| Share Growth (YoY) | 1.22% | 4.10% | 5.87% | 6.16% | 6.45% | +523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.59% | 0.70% | 0.57% | 0.84% | -1 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 | 12.37% | 12.50% | 12.58% | 12.69% | 12.76% | +39 bps | |
| Net Worth / Assets | 12.37% | 12.50% | 12.58% | 12.69% | 12.76% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.44% | 65.20% | 65.23% | 65.68% | 67.82% | +437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |