Buchanan, MI · Charter 62079
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.88% | 1.01% | 1.11% | 1.41% | +45 bps | |
| Return on Equity | 4.67% | 4.19% | 4.77% | 5.11% | 6.26% | +159 bps | |
| Net Interest Margin | 2.74% | 2.68% | 2.77% | 2.79% | 3.00% | +26 bps | |
| Efficiency Ratio | 64.38% | 66.52% | 62.91% | 59.70% | 53.01% | -1,136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.35% | 4.20% | 4.44% | -3.61% | -3.08% | -844 bps | |
| Loan Growth (YoY) | 7.81% | 6.82% | 5.35% | 6.03% | 3.27% | -454 bps | |
| Share Growth (YoY) | 5.58% | 4.04% | 4.27% | -5.98% | -5.40% | -1,098 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.06% | 1.72% | 2.27% | 0.45% | 1.54% | -51 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.56% | 20.99% | 21.27% | 21.79% | 22.46% | +190 bps | |
| Net Worth / Assets | 20.56% | 20.99% | 21.27% | 21.79% | 22.46% | +190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.22% | 89.98% | 91.48% | 94.86% | 96.30% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |