St Joseph, MI · Charter 6288
NCUA · 45 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 | 0.57% | 0.61% | 1.11% | 1.26% | 1.29% | 1.19% | 1.53% | 1.50% | +24 bps | |
| Return on Equity | 5.17% | 5.55% | 9.90% | 10.95% | 10.96% | 10.17% | 13.14% | 12.59% | +164 bps | |
| Net Interest Margin | 2.84% | 2.86% | 3.11% | 3.18% | 3.23% | 3.27% | 3.23% | 3.29% | +11 bps | |
| Efficiency Ratio | 75.99% | 75.59% | 67.41% | 65.01% | 64.20% | 65.59% | 61.83% | 60.59% | -443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | 8.18% | 6.91% | 2.83% | 3.07% | 1.76% | 5.06% | 5.23% | +240 bps | |
| Loan Growth (YoY) | 1.98% | 2.91% | 3.64% | 1.88% | 3.47% | 3.77% | 4.15% | 5.00% | +312 bps | |
| Share Growth (YoY) | 6.22% | 7.01% | 6.45% | 0.23% | 0.79% | 1.67% | 3.80% | 6.59% | +636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.59% | 0.44% | 0.39% | 0.53% | 0.86% | 0.56% | 0.71% | +32 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 | 11.08% | 11.01% | 11.22% | 11.52% | 11.75% | 11.69% | 11.64% | 11.94% | +42 bps | |
| Net Worth / Assets | 11.08% | 11.01% | 11.22% | 11.52% | 11.75% | 11.69% | 11.64% | 11.94% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.07% | 89.06% | 87.12% | 89.72% | 90.40% | 90.90% | 87.42% | 88.38% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |