Grand Rapids, MI · Charter 62393
NCUA · 3 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 | 0.65% | 0.77% | 0.64% | 1.00% | 1.16% | 1.12% | 1.18% | 1.22% | +22 bps | |
| Return on Equity | 6.73% | 8.02% | 6.94% | 10.71% | 11.82% | 11.41% | 12.17% | 12.95% | +224 bps | |
| Net Interest Margin | 3.81% | 3.76% | 3.91% | 4.01% | 4.19% | 4.12% | 4.01% | 3.90% | -11 bps | |
| Efficiency Ratio | 83.60% | 82.39% | 83.89% | 79.82% | 77.77% | 76.51% | 78.07% | 75.78% | -405 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 12.15% | 13.00% | 10.64% | 11.78% | 10.38% | 8.65% | 13.18% | +255 bps | |
| Loan Growth (YoY) | 20.62% | 19.78% | 18.72% | 17.78% | 15.10% | 8.35% | 9.53% | 17.41% | -37 bps | |
| Share Growth (YoY) | 7.21% | 12.76% | 12.64% | 9.01% | 9.81% | 8.85% | 8.02% | 13.57% | +456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.55% | 0.35% | 0.39% | 0.76% | 0.81% | 0.25% | 0.29% | -10 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 | 9.68% | 9.57% | 9.19% | 9.35% | 9.82% | 9.80% | 9.69% | 9.45% | +10 bps | |
| Net Worth / Assets | 9.68% | 9.57% | 9.19% | 9.35% | 9.82% | 9.80% | 9.69% | 9.45% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.99% | 80.76% | 77.77% | 79.35% | 83.84% | 80.39% | 78.85% | 82.03% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |