Alpena, MI · Charter 62035
NCUA · 13 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 | 1.35% | 1.25% | 1.46% | 1.49% | 1.57% | 1.44% | 1.53% | 1.39% | -9 bps | |
| Return on Equity | 11.71% | 10.84% | 12.60% | 12.69% | 13.11% | 11.92% | 12.70% | 11.44% | -126 bps | |
| Net Interest Margin | 3.23% | 3.20% | 3.27% | 3.33% | 3.38% | 3.40% | 3.41% | 3.40% | +7 bps | |
| Efficiency Ratio | 57.79% | 60.32% | 59.28% | 59.14% | 57.12% | 59.45% | 57.09% | 59.29% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.76% | 11.08% | 10.10% | 9.89% | 9.14% | 8.06% | 8.61% | 8.06% | -183 bps | |
| Loan Growth (YoY) | 11.84% | 13.52% | 13.79% | 16.25% | 16.86% | 14.98% | 13.48% | 11.39% | -485 bps | |
| Share Growth (YoY) | 10.57% | 10.88% | 9.82% | 9.46% | 8.55% | 7.33% | 8.04% | 7.62% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.72% | 0.50% | 0.64% | 0.73% | 0.79% | 0.61% | 0.85% | +21 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 | 11.54% | 11.49% | 11.60% | 11.71% | 11.95% | 12.04% | 12.08% | 12.18% | +47 bps | |
| Net Worth / Assets | 11.54% | 11.49% | 11.60% | 11.71% | 11.95% | 12.04% | 12.08% | 12.18% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.52% | 67.74% | 67.20% | 69.98% | 71.61% | 72.57% | 70.59% | 72.43% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |