PackageTrendsPeer
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Honor

Berrien Springs, MI · Charter 63004

NCUA · 29 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.6BShares
$229.0MNet 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 0.87%, up 5 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.92% of loans (+5 bps YoY).
  • Capital: net worth / assets of 12.16%, up 19 bps from a year ago.
  • Funding: loans stand at 84.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+3 bps YoY

Efficiency Ratio (YTD, annualized)

79.14%+63 bps YoY

Net Worth / Assets

12.16%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.81%0.84%0.73%0.87%+5 bps
Return on Equity6.86%6.62%6.87%6.03%7.13%+27 bps
Net Interest Margin4.08%4.19%4.22%4.04%4.11%+3 bps
Efficiency Ratio78.51%78.63%78.77%80.28%79.14%+63 bps
Growth
Asset Growth (YoY)5.56%4.52%6.07%4.88%5.23%-33 bps
Loan Growth (YoY)2.08%4.94%3.34%2.38%2.15%+7 bps
Share Growth (YoY)6.13%3.88%5.47%5.05%5.35%-78 bps
Asset Quality
Delinquent Loans / Loans0.87%0.92%1.18%0.84%0.92%+5 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 Capital11.97%12.19%12.21%12.03%12.16%+19 bps
Net Worth / Assets11.97%12.19%12.21%12.03%12.16%+19 bps
Liquidity & Funding
Loans / Shares87.48%90.07%88.35%84.53%84.82%-266 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps