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Lake Trust

Brighton, MI · Charter 62047

NCUA · 23 branches

Q2 2026

$2.9BAssets
$2.2BLoans
$2.5BShares
$312.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 14 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.06% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.84%, down 1 bps from a year ago.
  • Funding: loans stand at 86.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+26 bps YoY

Efficiency Ratio (quarter, annualized)

73.70%-217 bps YoY

Net Worth / Assets

10.84%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.60%0.57%0.54%0.70%+14 bps
Return on Equity5.14%5.40%5.27%5.03%6.42%+128 bps
Net Interest Margin3.41%3.51%3.47%3.56%3.67%+26 bps
Efficiency Ratio75.87%75.36%75.52%76.87%73.70%-217 bps
Growth
Asset Growth (YoY)2.04%2.53%5.58%7.07%6.07%+404 bps
Loan Growth (YoY)7.30%7.95%7.35%6.98%6.55%-76 bps
Share Growth (YoY)3.77%4.69%7.50%6.99%5.97%+220 bps
Asset Quality
Delinquent Loans / Loans1.00%1.05%1.17%1.02%1.06%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.85%11.06%10.85%10.66%10.84%-1 bps
Net Worth / Assets10.85%11.06%10.85%10.66%10.84%-1 bps
Liquidity & Funding
Loans / Shares86.11%88.71%86.97%84.02%86.58%+47 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps