Oshtemo, MI · Charter 62172
NCUA · 33 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 | 0.91% | 0.90% | 0.81% | 1.03% | 1.10% | 1.07% | 0.94% | 1.21% | +17 bps | |
| Return on Equity | 9.75% | 9.65% | 8.65% | 10.96% | 11.44% | 11.40% | 10.36% | 12.87% | +191 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.91% | 2.98% | 3.04% | 2.99% | 2.94% | 3.02% | +4 bps | |
| Efficiency Ratio | 76.48% | 76.57% | 76.43% | 72.49% | 72.58% | 73.01% | 74.18% | 69.96% | -253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.31% | 9.77% | 9.81% | 9.33% | 8.31% | 11.08% | 15.25% | 13.88% | +455 bps | |
| Loan Growth (YoY) | 8.60% | 8.26% | 9.84% | 9.59% | 10.07% | 11.11% | 10.41% | 12.88% | +330 bps | |
| Share Growth (YoY) | 12.56% | 9.45% | 9.50% | 9.91% | 9.22% | 12.64% | 17.15% | 15.45% | +554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.34% | 0.11% | 0.28% | 0.33% | 0.40% | 0.21% | 0.40% | +11 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 | 9.36% | 9.36% | 9.33% | 9.44% | 9.60% | 9.42% | 9.08% | 9.36% | -8 bps | |
| Net Worth / Assets | 9.36% | 9.36% | 9.33% | 9.44% | 9.60% | 9.42% | 9.08% | 9.36% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.00% | 108.82% | 106.80% | 108.79% | 109.84% | 107.34% | 100.66% | 106.37% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |