Alpena, MI · Charter 62264
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.84% | 1.61% | 1.40% | 1.37% | +27 bps | |
| Return on Equity | 8.70% | 13.55% | 11.80% | 10.22% | 9.73% | +103 bps | |
| Net Interest Margin | 3.37% | 3.47% | 3.59% | 3.81% | 3.79% | +42 bps | |
| Efficiency Ratio | 73.71% | 62.70% | 65.93% | 68.35% | 68.82% | -489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.31% | 7.33% | 7.05% | 4.87% | 2.12% | -519 bps | |
| Loan Growth (YoY) | 4.97% | 5.50% | 5.58% | 4.15% | 2.89% | -208 bps | |
| Share Growth (YoY) | 6.81% | 5.83% | 5.31% | 2.88% | -0.20% | -701 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.23% | 0.10% | 0.05% | 0.21% | -10 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 13.55% | 13.63% | 13.75% | 14.04% | +146 bps | |
| Net Worth / Assets | 12.58% | 13.55% | 13.63% | 13.75% | 14.04% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.26% | 52.83% | 53.46% | 50.77% | 51.82% | +156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |