Midland, MI · Charter 62076
NCUA · 11 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 | 0.17% | 0.31% | 0.24% | 0.05% | 0.21% | 0.32% | -0.22% | 0.72% | +67 bps | |
| Return on Equity | 1.83% | 3.28% | 2.56% | 0.57% | 2.32% | 3.56% | -2.44% | 7.78% | +721 bps | |
| Net Interest Margin | 3.69% | 3.71% | 3.94% | 3.93% | 4.04% | 3.99% | 4.09% | 4.15% | +22 bps | |
| Efficiency Ratio | 85.05% | 81.02% | 79.44% | 80.31% | 78.13% | 77.00% | 88.38% | 75.12% | -520 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 2.76% | 4.43% | 4.26% | 4.77% | 5.88% | 4.79% | 2.46% | -180 bps | |
| Loan Growth (YoY) | 2.18% | 4.24% | 5.71% | 6.74% | 5.22% | 0.59% | -3.10% | -1.07% | -781 bps | |
| Share Growth (YoY) | 3.80% | 4.78% | 4.63% | 4.73% | 5.92% | 7.95% | 4.65% | 2.00% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.17% | 0.98% | 1.02% | 1.09% | 1.14% | 0.66% | 0.65% | -37 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 | 9.33% | 9.35% | 9.28% | 8.90% | 9.08% | 9.03% | 8.94% | 9.21% | +32 bps | |
| Net Worth / Assets | 9.33% | 9.35% | 9.28% | 8.90% | 9.08% | 9.03% | 8.94% | 9.21% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.25% | 88.10% | 86.31% | 85.18% | 85.68% | 82.09% | 79.92% | 82.61% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |