Saginaw, MI · Charter 62141
NCUA · 12 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% | 0.38% | 0.07% | 0.35% | 0.46% | 0.51% | 0.88% | 0.78% | +43 bps | |
| Return on Equity | 1.83% | 4.10% | 0.74% | 3.85% | 4.82% | 5.43% | 9.11% | 7.93% | +408 bps | |
| Net Interest Margin | 3.03% | 3.05% | 3.22% | 3.36% | 3.52% | 3.54% | 3.74% | 3.78% | +42 bps | |
| Efficiency Ratio | 91.81% | 88.59% | 82.87% | 81.25% | 81.63% | 80.27% | 76.16% | 78.25% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | 1.37% | 2.27% | 1.60% | 1.90% | 1.95% | -0.27% | 0.27% | -133 bps | |
| Loan Growth (YoY) | -1.76% | -0.14% | 0.27% | 1.42% | 4.49% | 3.85% | 1.87% | 1.70% | +28 bps | |
| Share Growth (YoY) | -1.48% | 0.64% | 1.45% | 0.68% | 1.21% | 1.08% | -1.32% | -0.60% | -129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.69% | 0.67% | 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 | 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 | 9.06% | 9.15% | 8.95% | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Net Worth / Assets | 9.06% | 9.15% | 8.95% | 9.17% | 9.48% | 9.49% | 9.69% | 9.88% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.03% | 74.47% | 72.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |