Ionia, MI · Charter 62169
NCUA · 5 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 | 0.82% | 0.91% | 0.87% | 0.77% | 1.07% | +25 bps | |
| Return on Equity | 8.40% | 9.06% | 8.74% | 7.73% | 10.55% | +215 bps | |
| Net Interest Margin | 3.01% | 3.07% | 3.06% | 3.20% | 3.22% | +21 bps | |
| Efficiency Ratio | 78.04% | 76.97% | 77.77% | 81.51% | 75.24% | -281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.27% | 2.43% | 3.65% | 3.70% | 6.60% | +433 bps | |
| Loan Growth (YoY) | 3.64% | 1.39% | 1.62% | 2.44% | 1.01% | -263 bps | |
| Share Growth (YoY) | 1.01% | 1.70% | 3.02% | 3.21% | 6.89% | +588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.59% | 0.74% | 0.22% | 0.68% | +18 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 | 9.80% | 10.01% | 9.97% | 9.93% | 10.18% | +38 bps | |
| Net Worth / Assets | 9.80% | 10.01% | 9.97% | 9.93% | 10.18% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.37% | 87.02% | 84.17% | 82.46% | 83.50% | -486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |