Sparta, MI · Charter 62040
NCUA · 2 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 | 1.34% | 1.00% | 0.30% | 0.73% | 1.01% | 1.03% | 1.01% | 0.95% | +22 bps | |
| Return on Equity | 13.37% | 10.28% | 3.32% | 7.82% | 9.59% | 9.62% | 9.64% | 8.83% | +101 bps | |
| Net Interest Margin | 3.46% | 3.49% | 3.09% | 3.22% | 3.66% | 3.75% | 3.87% | 3.89% | +67 bps | |
| Efficiency Ratio | 75.30% | 83.59% | 90.88% | 87.62% | 83.18% | 82.48% | 81.91% | 80.78% | -684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 3.12% | 12.06% | 10.94% | 3.05% | 1.09% | -3.75% | -3.91% | -1,485 bps | |
| Loan Growth (YoY) | -6.27% | -7.27% | -8.52% | -5.21% | -2.36% | -0.56% | 3.58% | 2.84% | +806 bps | |
| Share Growth (YoY) | -0.04% | 2.17% | 10.80% | 9.59% | 3.11% | -0.38% | -5.78% | -5.51% | -1,510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.66% | 0.39% | 0.55% | 0.52% | 0.67% | 0.40% | 0.56% | +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 | 10.00% | 9.75% | 8.99% | 9.32% | 10.49% | 10.67% | 10.51% | 10.79% | +147 bps | |
| Net Worth / Assets | 10.00% | 9.75% | 8.99% | 9.32% | 10.49% | 10.67% | 10.51% | 10.79% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.86% | 56.01% | 49.53% | 51.35% | 55.73% | 55.91% | 54.45% | 55.89% | +454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |