PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri-Cities

Grand Haven, MI · Charter 62508

NCUA · 4 branches

Q2 2026

$51.3MAssets
$31.2MLoans
$43.7MShares
$7.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, up 8 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY).
  • Capital: net worth / assets of 13.92%, up 110 bps from a year ago.
  • Funding: loans stand at 71.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+31 bps YoY

Efficiency Ratio (YTD, annualized)

76.97%+138 bps YoY

Net Worth / Assets

13.92%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.95%1.12%1.00%0.96%+8 bps
Return on Equity6.84%7.17%8.23%7.30%6.87%+3 bps
Net Interest Margin3.22%3.35%3.46%3.48%3.53%+31 bps
Efficiency Ratio75.60%74.48%73.25%74.97%76.97%+138 bps
Growth
Asset Growth (YoY)6.70%3.73%-0.17%-0.15%-1.12%-782 bps
Loan Growth (YoY)-3.04%-3.52%-2.88%-2.25%3.34%+638 bps
Share Growth (YoY)7.10%2.87%-1.64%-1.22%-3.07%-1,017 bps
Asset Quality
Delinquent Loans / Loans0.08%0.19%0.21%0.05%0.05%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.83%13.23%13.62%13.69%13.92%+110 bps
Net Worth / Assets12.83%13.23%13.62%13.69%13.92%+110 bps
Liquidity & Funding
Loans / Shares66.95%67.78%69.80%67.53%71.38%+443 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps