Hastings, MI · Charter 62196
NCUA · 3 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 | 0.98% | 1.27% | 1.29% | 0.83% | 1.14% | +16 bps | |
| Return on Equity | 10.46% | 13.10% | 13.09% | 8.74% | 11.63% | +117 bps | |
| Net Interest Margin | 4.90% | 4.97% | 4.98% | 4.73% | 4.86% | -5 bps | |
| Efficiency Ratio | 84.92% | 82.48% | 81.23% | 85.97% | 82.60% | -232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 4.17% | 2.83% | 9.10% | 9.69% | +355 bps | |
| Loan Growth (YoY) | 3.98% | 4.59% | 4.47% | 4.75% | 4.14% | +16 bps | |
| Share Growth (YoY) | 6.35% | 3.19% | 2.00% | 8.72% | 9.09% | +274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.73% | 0.74% | 0.49% | 0.59% | +2 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 | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Net Worth / Assets | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.46% | 91.19% | 89.60% | 85.35% | 86.35% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |