Sault Sainte Ma, MI · Charter 62325
NCUA · 6 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 | 1.13% | 1.17% | 1.11% | 1.24% | 1.29% | 1.23% | 1.43% | 1.41% | +17 bps | |
| Return on Equity | 8.54% | 8.90% | 8.64% | 9.40% | 9.68% | 9.15% | 10.76% | 10.30% | +91 bps | |
| Net Interest Margin | 3.42% | 3.37% | 3.45% | 3.56% | 3.60% | 3.60% | 3.67% | 3.74% | +18 bps | |
| Efficiency Ratio | 74.67% | 73.95% | 73.88% | 72.60% | 71.59% | 72.58% | 69.92% | 69.89% | -270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.46% | 12.06% | 11.97% | 10.28% | 9.64% | 7.81% | 6.87% | 6.62% | -366 bps | |
| Loan Growth (YoY) | 2.64% | 1.96% | 2.93% | 4.80% | 6.49% | 8.52% | 6.94% | 2.89% | -191 bps | |
| Share Growth (YoY) | 10.81% | 11.79% | 11.17% | 9.19% | 8.87% | 6.11% | 5.69% | 5.43% | -376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.24% | 0.26% | 0.22% | 0.42% | 0.36% | 0.27% | 0.32% | +9 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 | 13.22% | 13.15% | 12.85% | 13.18% | 13.36% | 13.43% | 13.31% | 13.67% | +49 bps | |
| Net Worth / Assets | 13.22% | 13.15% | 12.85% | 13.18% | 13.36% | 13.43% | 13.31% | 13.67% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.18% | 66.08% | 63.19% | 66.41% | 67.66% | 67.58% | 63.94% | 64.81% | -160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |