Alpena, MI · Charter 62203
NCUA · 5 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 | 0.60% | 0.62% | 0.71% | 0.88% | 0.95% | 0.75% | -0.54% | 0.11% | -77 bps | |
| Return on Equity | 6.03% | 6.40% | 7.33% | 8.92% | 9.37% | 7.51% | -5.58% | 1.17% | -775 bps | |
| Net Interest Margin | 3.48% | 3.42% | 3.37% | 3.50% | 3.60% | 3.58% | 3.67% | 3.66% | +16 bps | |
| Efficiency Ratio | 81.90% | 81.41% | 81.23% | 79.69% | 78.82% | 81.13% | 82.03% | 82.24% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | 12.69% | 10.73% | 9.70% | 7.74% | 4.71% | 5.14% | 6.32% | -338 bps | |
| Loan Growth (YoY) | 6.68% | 9.37% | 7.15% | 8.74% | 15.13% | 14.46% | 16.79% | 17.58% | +884 bps | |
| Share Growth (YoY) | 3.95% | 12.09% | 9.98% | 8.78% | 6.47% | 4.02% | 5.09% | 6.73% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.35% | 0.65% | 0.80% | 0.96% | 1.55% | 0.41% | 0.71% | -9 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 | 9.94% | 9.69% | 9.71% | 9.87% | 10.12% | 10.01% | 9.67% | 9.64% | -23 bps | |
| Net Worth / Assets | 9.94% | 9.69% | 9.71% | 9.87% | 10.12% | 10.01% | 9.67% | 9.64% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.87% | 66.24% | 65.47% | 67.87% | 72.31% | 72.89% | 72.77% | 74.76% | +690 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |