Drummond Island, MI · Charter 62344
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.94% | 0.97% | 0.75% | 0.86% | 0.91% | 1.21% | 1.17% | +42 bps | |
| Return on Equity | 4.85% | 5.40% | 5.41% | 4.28% | 5.03% | 5.21% | 6.88% | 6.50% | +221 bps | |
| Net Interest Margin | 3.58% | 3.77% | 3.85% | 3.80% | 3.78% | 3.93% | 4.12% | 4.20% | +40 bps | |
| Efficiency Ratio | 79.73% | 78.43% | 77.52% | 79.30% | 77.24% | 75.91% | 72.24% | 70.81% | -849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -4.87% | -0.81% | 3.31% | 3.30% | 5.32% | 7.14% | 3.06% | -24 bps | |
| Loan Growth (YoY) | 6.91% | 3.68% | 2.47% | 2.55% | -2.03% | 0.72% | 0.48% | 3.39% | +84 bps | |
| Share Growth (YoY) | -3.99% | -6.90% | -2.26% | 2.01% | 2.39% | 3.96% | 7.09% | 2.28% | +27 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.37% | 0.23% | 0.16% | 0.31% | 0.68% | 0.27% | 1.59% | +143 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 | 17.07% | 17.49% | 17.87% | 17.53% | 17.18% | 17.50% | 17.64% | 18.05% | +53 bps | |
| Net Worth / Assets | 17.07% | 17.49% | 17.87% | 17.53% | 17.18% | 17.50% | 17.64% | 18.05% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.05% | 55.46% | 57.05% | 54.82% | 51.72% | 53.73% | 53.52% | 55.42% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |