Whitehall, MI · Charter 62066
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 | 0.89% | 0.90% | 0.92% | 1.08% | 1.20% | 1.27% | 0.83% | 1.06% | -2 bps | |
| Return on Equity | 8.73% | 8.65% | 8.95% | 10.28% | 10.90% | 11.23% | 7.50% | 9.38% | -90 bps | |
| Net Interest Margin | 3.56% | 3.64% | 3.75% | 3.85% | 4.04% | 4.12% | 4.07% | 4.13% | +28 bps | |
| Efficiency Ratio | 78.14% | 78.15% | 81.97% | 79.49% | 77.83% | 77.36% | 78.93% | 76.67% | -282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.13% | 1.49% | 3.30% | 4.41% | 2.93% | 3.03% | 3.93% | 3.58% | -83 bps | |
| Loan Growth (YoY) | 11.49% | 8.78% | 7.65% | 4.42% | 5.06% | 2.99% | 1.02% | 1.02% | -340 bps | |
| Share Growth (YoY) | -0.67% | 0.83% | 2.76% | 3.87% | 2.24% | 2.06% | 3.21% | 2.84% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.17% | 0.10% | 0.07% | 0.10% | 0.48% | 0.17% | 0.35% | +28 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 | 10.20% | 10.40% | 10.27% | 10.50% | 10.99% | 11.33% | 11.05% | 11.32% | +82 bps | |
| Net Worth / Assets | 10.20% | 10.40% | 10.27% | 10.50% | 10.99% | 11.33% | 11.05% | 11.32% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.26% | 76.61% | 74.31% | 74.52% | 77.34% | 77.30% | 72.74% | 73.20% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |