PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Intandem

Grand Rapids, MI · Charter 62249

NCUA · 2 branches

Q2 2026

$75.8MAssets
$45.5MLoans
$65.8MShares
$9.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.82%, up 5 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.41% of loans (-31 bps YoY).
  • Capital: net worth / assets of 11.91%, up 36 bps from a year ago.
  • Funding: loans stand at 69.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+42 bps YoY

Efficiency Ratio (YTD, annualized)

83.52%+230 bps YoY

Net Worth / Assets

11.91%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.85%0.95%0.71%0.82%+5 bps
Return on Equity6.72%7.24%7.83%6.10%6.91%+19 bps
Net Interest Margin3.65%3.74%3.91%3.86%4.07%+42 bps
Efficiency Ratio81.22%80.07%78.25%85.29%83.52%+230 bps
Growth
Asset Growth (YoY)2.64%3.78%0.25%6.04%5.10%+246 bps
Loan Growth (YoY)6.11%4.39%0.59%0.08%2.64%-347 bps
Share Growth (YoY)0.64%3.32%-0.30%5.81%5.16%+452 bps
Asset Quality
Delinquent Loans / Loans0.72%1.04%1.13%0.58%0.41%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.55%11.81%12.15%11.57%11.91%+36 bps
Net Worth / Assets11.55%11.81%12.15%11.57%11.91%+36 bps
Liquidity & Funding
Loans / Shares70.95%71.03%70.21%64.50%69.25%-170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps