PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Best Financial

Muskegon, MI · Charter 62027

NCUA · 2 branches

Q2 2026

$154.3MAssets
$103.4MLoans
$130.4MShares
$22.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.05%, up 1 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 1.93% of loans (+114 bps YoY).
  • Capital: net worth / assets of 14.75%, down 141 bps from a year ago.
  • Funding: loans stand at 79.25% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.05%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+37 bps YoY

Efficiency Ratio (YTD, annualized)

81.46%-1,020 bps YoY

Net Worth / Assets

14.75%-141 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.12%0.15%0.04%0.21%-0.04%0.02%0.05%+1 bps
Return on Equity0.87%0.75%0.92%0.24%1.30%-0.23%0.14%0.33%+9 bps
Net Interest Margin3.14%3.24%3.37%3.42%3.50%3.52%3.74%3.78%+37 bps
Efficiency Ratio88.93%88.30%89.35%91.66%88.94%92.31%80.24%81.46%-1,020 bps
Growth
Asset Growth (YoY)0.36%-0.17%-0.20%-0.34%1.57%3.36%10.07%9.36%+969 bps
Loan Growth (YoY)3.08%3.99%3.47%3.79%5.62%0.91%2.35%0.83%-296 bps
Share Growth (YoY)-0.16%-0.60%-0.28%-0.55%1.56%3.60%11.91%11.11%+1,167 bps
Asset Quality
Delinquent Loans / Loans0.89%0.67%0.55%0.80%0.79%1.24%1.61%1.93%+114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.30%16.41%16.10%16.16%16.22%15.84%14.56%14.75%-141 bps
Net Worth / Assets16.30%16.41%16.10%16.16%16.22%15.84%14.56%14.75%-141 bps
Liquidity & Funding
Loans / Shares85.08%90.29%86.41%87.33%88.48%87.94%79.03%79.25%-809 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps