Grand Rapids, MI · Charter 62217
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.16% | 1.50% | 1.53% | 1.59% | 1.51% | 1.45% | 1.46% | -7 bps | |
| Return on Equity | 4.81% | 4.97% | 6.44% | 6.50% | 6.79% | 6.23% | 6.05% | 6.04% | -46 bps | |
| Net Interest Margin | 3.06% | 3.08% | 3.38% | 3.46% | 3.55% | 3.57% | 3.54% | 3.56% | +10 bps | |
| Efficiency Ratio | 73.82% | 73.30% | 68.19% | 67.74% | 66.96% | 68.15% | 67.90% | 68.59% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 5.85% | 8.12% | 7.42% | 7.09% | 5.42% | 3.27% | 3.04% | -438 bps | |
| Loan Growth (YoY) | -0.06% | -2.74% | -2.73% | -2.09% | -2.73% | -1.55% | -2.31% | -3.41% | -132 bps | |
| Share Growth (YoY) | 2.31% | 6.33% | 7.58% | 7.09% | 6.20% | 4.57% | 2.16% | 1.30% | -579 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.73% | 0.42% | 0.47% | 0.51% | 0.56% | 0.09% | 0.36% | -12 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 | 23.63% | 23.38% | 23.29% | 23.50% | 23.47% | 24.22% | 23.92% | 24.16% | +66 bps | |
| Net Worth / Assets | 23.63% | 23.38% | 23.29% | 23.50% | 23.47% | 24.22% | 23.92% | 24.16% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.96% | 83.23% | 78.84% | 78.81% | 79.65% | 78.36% | 75.39% | 75.14% | -366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |