Saginaw, MI · Charter 62141
NCUA · 12 branches
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 | 0.35% | 0.46% | 0.51% | 0.88% | 0.78% | +43 bps | |
| Return on Equity | 3.85% | 4.82% | 5.43% | 9.11% | 7.93% | +408 bps | |
| Net Interest Margin | 3.36% | 3.52% | 3.54% | 3.74% | 3.78% | +42 bps | |
| Efficiency Ratio | 81.25% | 81.63% | 80.27% | 76.16% | 78.25% | -300 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | 1.90% | 1.95% | -0.27% | 0.27% | -133 bps | |
| Loan Growth (YoY) | 1.42% | 4.49% | 3.85% | 1.87% | 1.70% | +28 bps | |
| Share Growth (YoY) | 0.68% | 1.21% | 1.08% | -1.32% | -0.60% | -129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.72% | 0.64% | 0.68% | 0.64% | -1 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 | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Net Worth / Assets | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.74% | 77.47% | 76.52% | 74.45% | 75.45% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |