Marshall, MI · Charter 62160
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.32% | 1.33% | 1.30% | 1.64% | 1.40% | 1.79% | 2.10% | +81 bps | |
| Return on Equity | 8.98% | 7.93% | 8.16% | 7.90% | 9.66% | 8.46% | 10.77% | 12.25% | +434 bps | |
| Net Interest Margin | 3.77% | 3.75% | 3.76% | 3.79% | 4.08% | 4.02% | 4.09% | 4.12% | +33 bps | |
| Efficiency Ratio | 65.63% | 70.26% | 69.27% | 70.74% | 65.57% | 68.64% | 64.41% | 63.16% | -758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.63% | 6.07% | 6.56% | 6.90% | 8.17% | 9.31% | 6.98% | 6.16% | -74 bps | |
| Loan Growth (YoY) | 6.62% | 5.33% | 4.54% | 1.90% | 1.20% | 0.55% | 0.13% | 0.98% | -91 bps | |
| Share Growth (YoY) | 2.53% | 5.63% | 6.29% | 6.42% | 7.40% | 8.35% | 5.96% | 4.69% | -173 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.75% | 1.27% | 1.85% | 1.69% | 1.70% | 1.23% | 2.08% | +23 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 | 16.92% | 16.71% | 16.32% | 16.42% | 16.96% | 16.58% | 16.67% | 17.17% | +75 bps | |
| Net Worth / Assets | 16.92% | 16.71% | 16.32% | 16.42% | 16.96% | 16.58% | 16.67% | 17.17% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.56% | 86.93% | 82.88% | 81.68% | 82.51% | 80.67% | 78.33% | 78.79% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |