PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consumers

Oshtemo, MI · Charter 62172

NCUA · 33 branches

Q2 2026

$2.9BAssets
$2.5BLoans
$2.4BShares
$270.7MNet 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 1.21%, up 17 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.40% of loans (+11 bps YoY).
  • Capital: net worth / assets of 9.36%, down 8 bps from a year ago.
  • Funding: loans stand at 106.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.96%-253 bps YoY

Net Worth / Assets

9.36%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.10%1.07%0.94%1.21%+17 bps
Return on Equity10.96%11.44%11.40%10.36%12.87%+191 bps
Net Interest Margin2.98%3.04%2.99%2.94%3.02%+4 bps
Efficiency Ratio72.49%72.58%73.01%74.18%69.96%-253 bps
Growth
Asset Growth (YoY)9.33%8.31%11.08%15.25%13.88%+455 bps
Loan Growth (YoY)9.59%10.07%11.11%10.41%12.88%+330 bps
Share Growth (YoY)9.91%9.22%12.64%17.15%15.45%+554 bps
Asset Quality
Delinquent Loans / Loans0.28%0.33%0.40%0.21%0.40%+11 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 Capital9.44%9.60%9.42%9.08%9.36%-8 bps
Net Worth / Assets9.44%9.60%9.42%9.08%9.36%-8 bps
Liquidity & Funding
Loans / Shares108.79%109.84%107.34%100.66%106.37%-242 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps