Escanaba, MI · Charter 62085
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 1.12% | 1.34% | 1.55% | 1.66% | +94 bps | |
| Return on Equity | 6.07% | 9.12% | 10.64% | 12.25% | 12.62% | +655 bps | |
| Net Interest Margin | 4.56% | 4.60% | 4.57% | 4.56% | 4.63% | +7 bps | |
| Efficiency Ratio | 86.39% | 79.23% | 75.51% | 70.23% | 68.60% | -1,779 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.66% | 2.01% | 4.88% | 5.73% | 5.02% | +335 bps | |
| Loan Growth (YoY) | 3.93% | 7.94% | 13.32% | 16.90% | 19.42% | +1,550 bps | |
| Share Growth (YoY) | 2.09% | 1.39% | 4.20% | 4.87% | 2.43% | +34 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.46% | 0.66% | 0.54% | 1.10% | +72 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 | 11.94% | 12.30% | 12.56% | 12.64% | 13.17% | +122 bps | |
| Net Worth / Assets | 11.94% | 12.30% | 12.56% | 12.64% | 13.17% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.33% | 67.81% | 69.41% | 69.85% | 76.17% | +1,084 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |