Hastings, MI · Charter 62196
NCUA · 3 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 | 1.19% | 1.23% | 0.57% | 0.98% | 1.27% | 1.29% | 0.83% | 1.14% | +16 bps | |
| Return on Equity | 13.53% | 13.95% | 6.30% | 10.46% | 13.10% | 13.09% | 8.74% | 11.63% | +117 bps | |
| Net Interest Margin | 4.68% | 4.67% | 4.81% | 4.90% | 4.97% | 4.98% | 4.73% | 4.86% | -5 bps | |
| Efficiency Ratio | 79.46% | 78.30% | 91.17% | 84.92% | 82.48% | 81.23% | 85.97% | 82.60% | -232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 9.09% | 2.31% | 6.14% | 4.17% | 2.83% | 9.10% | 9.69% | +355 bps | |
| Loan Growth (YoY) | 6.07% | 3.50% | 2.73% | 3.98% | 4.59% | 4.47% | 4.75% | 4.14% | +16 bps | |
| Share Growth (YoY) | 7.31% | 8.95% | 2.78% | 6.35% | 3.19% | 2.00% | 8.72% | 9.09% | +274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.96% | 0.91% | 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 | 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 | 8.81% | 8.84% | 9.05% | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Net Worth / Assets | 8.81% | 8.84% | 9.05% | 9.35% | 9.73% | 9.83% | 9.55% | 9.81% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.97% | 87.48% | 88.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |