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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.81%0.71%0.88%0.95%1.12%1.00%0.96%+8 bps
Return on Equity6.04%6.41%5.60%6.84%7.17%8.23%7.30%6.87%+3 bps
Net Interest Margin3.16%3.11%3.16%3.22%3.35%3.46%3.48%3.53%+31 bps
Efficiency Ratio76.85%75.64%76.42%75.60%74.48%73.25%74.97%76.97%+138 bps
Growth
Asset Growth (YoY)3.18%5.51%6.23%6.70%3.73%-0.17%-0.15%-1.12%-782 bps
Loan Growth (YoY)4.75%2.92%0.72%-3.04%-3.52%-2.88%-2.25%3.34%+638 bps
Share Growth (YoY)3.24%5.35%5.79%7.10%2.87%-1.64%-1.22%-3.07%-1,017 bps
Asset Quality
Delinquent Loans / Loans0.37%0.31%0.09%0.08%0.19%0.21%0.05%0.05%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.94%12.67%12.68%12.83%13.23%13.62%13.69%13.92%+110 bps
Net Worth / Assets12.94%12.67%12.68%12.83%13.23%13.62%13.69%13.92%+110 bps
Liquidity & Funding
Loans / Shares72.27%70.68%68.24%66.95%67.78%69.80%67.53%71.38%+443 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps