Clinton Townshi, MI · Charter 62049
NCUA · 24 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 | 1.05% | 0.96% | 0.40% | 0.96% | 1.16% | 1.10% | 0.74% | 1.47% | +51 bps | |
| Return on Equity | 8.72% | 8.06% | 3.43% | 7.88% | 9.40% | 8.97% | 6.08% | 11.60% | +373 bps | |
| Net Interest Margin | 2.22% | 2.23% | 2.47% | 2.56% | 2.63% | 2.65% | 2.87% | 2.92% | +36 bps | |
| Efficiency Ratio | 61.77% | 62.79% | 75.38% | 63.25% | 59.43% | 59.61% | 67.34% | 54.70% | -855 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | 7.33% | 8.14% | 9.29% | 9.52% | 9.92% | 10.08% | 7.66% | -163 bps | |
| Loan Growth (YoY) | 7.79% | 8.16% | 9.04% | 10.56% | 9.88% | 9.13% | 8.63% | 7.74% | -282 bps | |
| Share Growth (YoY) | 12.39% | 13.57% | 12.68% | 11.45% | 8.94% | 9.59% | 9.78% | 7.15% | -430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.62% | 0.42% | 0.58% | 0.55% | 0.64% | 0.38% | 0.61% | +3 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 | 12.01% | 11.92% | 11.81% | 12.13% | 12.33% | 12.25% | 12.20% | 12.63% | +49 bps | |
| Net Worth / Assets | 12.01% | 11.92% | 11.81% | 12.13% | 12.33% | 12.25% | 12.20% | 12.63% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.28% | 104.36% | 102.06% | 102.46% | 105.18% | 103.91% | 100.98% | 103.02% | +56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |