Grand Rapids, MI · Charter 62514
NCUA · 76 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 | 1.03% | 1.03% | 1.42% | 1.43% | 1.37% | 1.30% | 1.28% | 1.18% | -25 bps | |
| Return on Equity | 9.03% | 9.02% | 12.25% | 12.08% | 11.50% | 11.29% | 11.41% | 10.47% | -161 bps | |
| Net Interest Margin | 2.15% | 2.19% | 2.62% | 2.68% | 2.66% | 2.55% | 2.52% | 2.51% | -17 bps | |
| Efficiency Ratio | 62.67% | 62.69% | 57.13% | 57.01% | 57.86% | 58.20% | 59.39% | 61.07% | +406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.09% | 8.63% | 6.09% | 4.22% | 5.77% | 9.81% | 14.26% | 16.15% | +1,194 bps | |
| Loan Growth (YoY) | 5.50% | 3.66% | 5.30% | 6.24% | 9.24% | 9.37% | 8.85% | 8.35% | +211 bps | |
| Share Growth (YoY) | 12.02% | 9.70% | 6.50% | 3.88% | 5.57% | 9.80% | 14.87% | 17.49% | +1,361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.34% | 0.33% | 0.36% | 0.34% | 0.48% | 0.43% | 0.35% | -1 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 | 11.39% | 11.39% | 11.57% | 11.85% | 11.91% | 11.55% | 11.25% | 11.27% | -59 bps | |
| Net Worth / Assets | 11.39% | 11.39% | 11.57% | 11.85% | 11.91% | 11.55% | 11.25% | 11.27% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.28% | 97.72% | 98.04% | 100.58% | 101.69% | 97.34% | 92.90% | 92.76% | -783 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |