Marquette, MI · Charter 62038
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.37% | 0.53% | 0.63% | 0.79% | 0.88% | 0.99% | 1.06% | +43 bps | |
| Return on Equity | 2.99% | 3.06% | 4.40% | 5.19% | 6.43% | 7.16% | 8.25% | 8.79% | +360 bps | |
| Net Interest Margin | 2.83% | 2.87% | 3.05% | 3.20% | 3.32% | 3.38% | 3.49% | 3.59% | +39 bps | |
| Efficiency Ratio | 87.75% | 87.05% | 81.86% | 80.50% | 78.09% | 76.67% | 75.60% | 73.93% | -657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 6.46% | 7.99% | 7.83% | 6.08% | 6.34% | 8.19% | 9.35% | +152 bps | |
| Loan Growth (YoY) | 2.58% | 1.73% | 4.00% | 4.80% | 6.66% | 8.44% | 10.01% | 14.89% | +1,009 bps | |
| Share Growth (YoY) | 7.29% | 9.66% | 7.87% | 6.75% | 4.72% | 4.39% | 7.48% | 8.53% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.34% | 0.20% | 0.22% | 0.30% | 0.26% | 0.14% | 0.64% | +42 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 | 12.37% | 12.23% | 11.98% | 12.12% | 12.26% | 12.29% | 11.95% | 12.07% | -5 bps | |
| Net Worth / Assets | 12.37% | 12.23% | 11.98% | 12.12% | 12.26% | 12.29% | 11.95% | 12.07% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.41% | 69.55% | 69.45% | 70.98% | 71.71% | 72.25% | 71.09% | 75.14% | +416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |