Lansing, MI · Charter 62330
NCUA · 1 branch
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 | 1.31% | 1.67% | 1.56% | 1.55% | 1.65% | 1.67% | 1.13% | 1.36% | -19 bps | |
| Return on Equity | 11.75% | 14.16% | 13.57% | 13.36% | 13.62% | 13.24% | 9.36% | 10.89% | -247 bps | |
| Net Interest Margin | 4.34% | 4.61% | 4.58% | 4.64% | 4.82% | 5.04% | 4.76% | 4.89% | +25 bps | |
| Efficiency Ratio | 73.91% | 68.58% | 70.30% | 69.54% | 67.51% | 67.20% | 67.06% | 67.85% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 3.93% | 5.90% | 5.86% | 6.37% | 5.48% | 7.34% | 4.80% | -106 bps | |
| Loan Growth (YoY) | 2.48% | -0.02% | -0.35% | -2.28% | -2.86% | -2.17% | -3.23% | -1.28% | +100 bps | |
| Share Growth (YoY) | 3.20% | 3.75% | 6.41% | 4.76% | 5.14% | 2.99% | 5.41% | 4.44% | -32 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.55% | 0.26% | 0.47% | 1.25% | 1.29% | 0.83% | 0.64% | +17 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 | 11.14% | 11.82% | 11.51% | 11.61% | 12.09% | 12.62% | 12.08% | 12.46% | +85 bps | |
| Net Worth / Assets | 11.14% | 11.82% | 11.51% | 11.61% | 12.09% | 12.62% | 12.08% | 12.46% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.32% | 73.46% | 68.62% | 66.26% | 66.82% | 69.78% | 62.99% | 62.63% | -363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |