Grand Rapids, MI · Charter 62340
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 | 1.01% | 0.97% | 1.12% | 1.11% | 1.14% | 1.11% | 1.14% | 1.11% | 0 bps | |
| Return on Equity | 7.35% | 6.96% | 8.33% | 8.17% | 8.12% | 7.82% | 8.16% | 7.79% | -37 bps | |
| Net Interest Margin | 3.58% | 3.57% | 3.62% | 3.65% | 3.75% | 3.76% | 3.75% | 3.83% | +17 bps | |
| Efficiency Ratio | 77.74% | 78.20% | 76.31% | 76.10% | 75.32% | 75.51% | 76.67% | 75.77% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 7.76% | 9.10% | 8.40% | 6.37% | 6.35% | 4.26% | 3.05% | -535 bps | |
| Loan Growth (YoY) | 3.16% | 1.70% | -0.52% | 6.05% | 7.64% | 4.65% | 3.85% | -1.06% | -712 bps | |
| Share Growth (YoY) | 4.57% | 7.29% | 8.35% | 7.59% | 6.04% | 5.07% | 3.04% | 1.78% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.39% | 0.35% | 0.45% | 0.46% | 0.44% | 0.43% | 0.37% | -8 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 | 13.80% | 13.87% | 13.46% | 13.57% | 14.03% | 14.15% | 14.00% | 14.25% | +69 bps | |
| Net Worth / Assets | 13.80% | 13.87% | 13.46% | 13.57% | 14.03% | 14.15% | 14.00% | 14.25% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.11% | 60.67% | 57.23% | 59.92% | 62.03% | 60.43% | 57.69% | 58.25% | -167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |