Grand Rapids, MI · Charter 62249
NCUA · 2 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 | 0.37% | 0.49% | 0.63% | 0.78% | 0.85% | 0.95% | 0.71% | 0.82% | +5 bps | |
| Return on Equity | 3.28% | 4.37% | 5.55% | 6.72% | 7.24% | 7.83% | 6.10% | 6.91% | +19 bps | |
| Net Interest Margin | 3.14% | 3.23% | 3.54% | 3.65% | 3.74% | 3.91% | 3.86% | 4.07% | +42 bps | |
| Efficiency Ratio | 87.12% | 83.99% | 84.20% | 81.22% | 80.07% | 78.25% | 85.29% | 83.52% | +230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | -0.97% | -1.72% | 2.64% | 3.78% | 0.25% | 6.04% | 5.10% | +246 bps | |
| Loan Growth (YoY) | -0.90% | 2.11% | 4.75% | 6.11% | 4.39% | 0.59% | 0.08% | 2.64% | -347 bps | |
| Share Growth (YoY) | -1.15% | -2.11% | -2.45% | 0.64% | 3.32% | -0.30% | 5.81% | 5.16% | +452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.61% | 0.76% | 0.72% | 1.04% | 1.13% | 0.58% | 0.41% | -31 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 | 11.39% | 11.26% | 11.32% | 11.55% | 11.81% | 12.15% | 11.57% | 11.91% | +36 bps | |
| Net Worth / Assets | 11.39% | 11.26% | 11.32% | 11.55% | 11.81% | 12.15% | 11.57% | 11.91% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.30% | 69.59% | 68.20% | 70.95% | 71.03% | 70.21% | 64.50% | 69.25% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |