Alpena, MI · Charter 62219
NCUA · 3 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 | 1.15% | 0.84% | 0.66% | 0.64% | 0.71% | 0.74% | 0.91% | 0.81% | +17 bps | |
| Return on Equity | 8.14% | 6.02% | 4.70% | 4.55% | 4.97% | 5.19% | 6.72% | 5.92% | +137 bps | |
| Net Interest Margin | 3.12% | 3.20% | 3.44% | 3.50% | 3.57% | 3.53% | 3.43% | 3.45% | -4 bps | |
| Efficiency Ratio | 72.76% | 78.27% | 86.59% | 82.16% | 79.82% | 77.79% | 74.69% | 75.25% | -691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.24% | -2.57% | -0.81% | 0.94% | 1.96% | 3.21% | 10.26% | 9.75% | +881 bps | |
| Loan Growth (YoY) | 21.05% | 16.40% | 16.53% | 11.25% | 4.40% | 3.40% | 2.84% | 7.70% | -355 bps | |
| Share Growth (YoY) | -4.52% | -3.41% | -1.83% | 0.71% | 2.13% | 3.04% | 9.69% | 10.75% | +1,004 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.28% | 0.32% | 0.40% | 0.39% | 0.54% | 0.16% | 1.86% | +146 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 | 14.12% | 14.00% | 14.06% | 14.09% | 14.38% | 14.31% | 13.52% | 13.63% | -45 bps | |
| Net Worth / Assets | 14.12% | 14.00% | 14.06% | 14.09% | 14.38% | 14.31% | 13.52% | 13.63% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.30% | 68.87% | 70.10% | 69.95% | 70.83% | 69.11% | 65.73% | 68.02% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |