Lansing, MI · Charter 62543
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 2.14% | 1.81% | 1.88% | 1.73% | -45 bps | |
| Return on Equity | 12.12% | 11.32% | 9.76% | 10.20% | 9.27% | -285 bps | |
| Net Interest Margin | 3.42% | 3.63% | 3.23% | 3.40% | 3.41% | -1 bps | |
| Efficiency Ratio | 44.87% | 46.77% | 50.78% | 49.28% | 53.12% | +825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.41% | 0.80% | 0.62% | 3.52% | 5.20% | +561 bps | |
| Loan Growth (YoY) | -2.44% | -4.04% | -4.32% | -7.03% | -7.62% | -518 bps | |
| Share Growth (YoY) | -3.64% | -1.14% | -1.49% | 2.73% | 5.11% | +875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.06% | 0.12% | 0.07% | 0.25% | +20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.95% | 18.91% | 18.51% | 18.39% | 18.62% | +67 bps | |
| Net Worth / Assets | 17.95% | 18.91% | 18.51% | 18.39% | 18.62% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.30% | 21.95% | 20.82% | 19.72% | 19.60% | -270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |