PackageTrendsPeer
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Marshall Community

Marshall, MI · Charter 62160

NCUA · 3 branches

Q2 2026

$371.8MAssets
$239.7MLoans
$304.2MShares
$63.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.10%, up 81 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 2.08% of loans (+23 bps YoY).
  • Capital: net worth / assets of 17.17%, up 75 bps from a year ago.
  • Funding: loans stand at 78.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.10%+81 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+33 bps YoY

Efficiency Ratio (YTD, annualized)

63.16%-758 bps YoY

Net Worth / Assets

17.17%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.64%1.40%1.79%2.10%+81 bps
Return on Equity7.90%9.66%8.46%10.77%12.25%+434 bps
Net Interest Margin3.79%4.08%4.02%4.09%4.12%+33 bps
Efficiency Ratio70.74%65.57%68.64%64.41%63.16%-758 bps
Growth
Asset Growth (YoY)6.90%8.17%9.31%6.98%6.16%-74 bps
Loan Growth (YoY)1.90%1.20%0.55%0.13%0.98%-91 bps
Share Growth (YoY)6.42%7.40%8.35%5.96%4.69%-173 bps
Asset Quality
Delinquent Loans / Loans1.85%1.69%1.70%1.23%2.08%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.42%16.96%16.58%16.67%17.17%+75 bps
Net Worth / Assets16.42%16.96%16.58%16.67%17.17%+75 bps
Liquidity & Funding
Loans / Shares81.68%82.51%80.67%78.33%78.79%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps