Manistee, MI · Charter 62010
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.80% | 0.87% | 1.23% | 1.27% | 1.25% | 1.28% | 1.26% | +3 bps | |
| Return on Equity | 5.88% | 6.50% | 7.14% | 9.91% | 10.20% | 9.92% | 10.10% | 9.85% | -6 bps | |
| Net Interest Margin | 2.84% | 2.98% | 3.15% | 3.16% | 3.19% | 3.26% | 3.44% | 3.52% | +35 bps | |
| Efficiency Ratio | 70.98% | 69.76% | 62.88% | 61.64% | 60.69% | 63.28% | 66.64% | 64.19% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 1.41% | 2.79% | 2.57% | 5.09% | 7.54% | 7.42% | 7.11% | +454 bps | |
| Loan Growth (YoY) | 3.62% | 2.41% | 0.57% | -1.39% | 1.76% | 3.80% | 7.99% | 13.79% | +1,518 bps | |
| Share Growth (YoY) | 1.16% | 0.36% | 1.48% | 1.22% | 4.10% | 5.87% | 6.16% | 6.45% | +523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.94% | 0.89% | 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 | 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 | 11.92% | 12.25% | 12.24% | 12.37% | 12.50% | 12.58% | 12.69% | 12.76% | +39 bps | |
| Net Worth / Assets | 11.92% | 12.25% | 12.24% | 12.37% | 12.50% | 12.58% | 12.69% | 12.76% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.70% | 66.53% | 64.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |