Jackson, MI · Charter 62143
NCUA · 2 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 | 0.90% | 0.72% | 0.17% | 0.28% | 0.37% | 0.21% | 0.26% | 0.16% | -12 bps | |
| Return on Equity | 6.25% | 4.96% | 1.24% | 2.02% | 2.55% | 1.50% | 1.80% | 1.13% | -89 bps | |
| Net Interest Margin | 4.00% | 3.94% | 3.67% | 3.71% | 3.77% | 3.78% | 3.62% | 3.68% | -2 bps | |
| Efficiency Ratio | 80.84% | 83.41% | 93.39% | 93.89% | 90.56% | 93.76% | 100.58% | 95.46% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.99% | -0.78% | 2.04% | 1.65% | 1.82% | 1.54% | -1.72% | -1.48% | -313 bps | |
| Loan Growth (YoY) | -6.33% | -10.52% | -13.82% | -9.70% | -1.72% | 6.09% | 5.46% | 6.03% | +1,573 bps | |
| Share Growth (YoY) | -6.74% | -1.57% | 1.94% | 0.47% | 1.85% | 2.00% | -2.29% | -1.02% | -150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.88% | 0.74% | 0.54% | 0.51% | 0.40% | 0.61% | 0.56% | +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 | 14.47% | 14.44% | 14.01% | 14.01% | 14.34% | 14.25% | 14.32% | 14.20% | +19 bps | |
| Net Worth / Assets | 14.47% | 14.44% | 14.01% | 14.01% | 14.34% | 14.25% | 14.32% | 14.20% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.93% | 53.12% | 50.99% | 52.07% | 53.97% | 55.25% | 55.03% | 55.78% | +371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |