Battle Creek, MI · Charter 62072
NCUA · 10 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 | 0.40% | 0.23% | 0.36% | 0.36% | 0.27% | 0.11% | 0.06% | 0.02% | -34 bps | |
| Return on Equity | 3.85% | 2.22% | 3.54% | 3.45% | 2.58% | 1.06% | 0.59% | 0.16% | -330 bps | |
| Net Interest Margin | 3.01% | 3.49% | 4.58% | 4.68% | 4.66% | 4.63% | 4.36% | 4.36% | -32 bps | |
| Efficiency Ratio | 72.47% | 78.48% | 84.58% | 85.13% | 86.52% | 89.21% | 95.62% | 96.53% | +1,140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 65.53% | 62.52% | 65.68% | 64.81% | 1.05% | 1.82% | 0.06% | 1.53% | -6,328 bps | |
| Loan Growth (YoY) | 60.05% | 60.71% | 62.93% | 67.24% | 4.02% | 3.62% | 3.29% | 1.06% | -6,619 bps | |
| Share Growth (YoY) | 63.50% | 60.75% | 62.74% | 61.86% | 1.02% | 1.63% | 0.01% | 1.86% | -6,000 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.68% | 0.48% | 0.83% | 1.07% | 1.03% | 0.79% | 1.08% | +25 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 | 10.46% | 10.48% | 10.25% | 10.39% | 10.42% | 10.30% | 10.17% | 10.07% | -32 bps | |
| Net Worth / Assets | 10.46% | 10.48% | 10.25% | 10.39% | 10.42% | 10.30% | 10.17% | 10.07% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.05% | 88.02% | 84.55% | 87.82% | 89.64% | 89.75% | 87.33% | 87.13% | -69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |