PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Total Community

Taylor, MI · Charter 62245

NCUA · 2 branches

Q2 2026

$111.3MAssets
$43.6MLoans
$93.9MShares
$17.0MNet Worth

Executive Summary

  • Earnings: ROA of 2.04%, up 37 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.36% of loans (-79 bps YoY).
  • Capital: net worth / assets of 15.29%, up 105 bps from a year ago.
  • Funding: loans stand at 46.44% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.04%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.99%0 bps YoY

Efficiency Ratio (YTD, annualized)

61.99%-350 bps YoY

Net Worth / Assets

15.29%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%1.87%1.40%1.67%1.80%1.66%2.13%2.04%+37 bps
Return on Equity14.76%13.29%10.07%11.75%12.23%11.19%14.23%13.37%+162 bps
Net Interest Margin4.24%4.22%3.93%3.99%4.04%4.05%3.96%3.99%0 bps
Efficiency Ratio61.37%61.53%66.10%65.50%62.79%62.72%61.71%61.99%-350 bps
Growth
Asset Growth (YoY)1.29%2.18%2.37%2.85%5.29%5.95%5.29%5.40%+255 bps
Loan Growth (YoY)-3.33%-8.90%-10.19%-3.11%-3.63%-5.09%-2.01%-6.09%-298 bps
Share Growth (YoY)-2.83%-0.55%-0.35%0.41%3.29%3.46%3.05%3.87%+346 bps
Asset Quality
Delinquent Loans / Loans0.68%1.28%1.41%1.15%1.18%0.74%0.70%0.36%-79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.76%14.05%13.92%14.24%14.70%14.88%14.99%15.29%+105 bps
Net Worth / Assets13.76%14.05%13.92%14.24%14.70%14.88%14.99%15.29%+105 bps
Liquidity & Funding
Loans / Shares53.68%51.86%48.53%51.36%50.08%47.57%46.15%46.44%-492 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps