Berrien Springs, MI · Charter 63004
NCUA · 29 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.96% | 0.88% | 0.82% | 0.81% | 0.84% | 0.73% | 0.87% | +5 bps | |
| Return on Equity | 7.41% | 7.94% | 7.41% | 6.86% | 6.62% | 6.87% | 6.03% | 7.13% | +27 bps | |
| Net Interest Margin | 3.96% | 4.03% | 4.01% | 4.08% | 4.19% | 4.22% | 4.04% | 4.11% | +3 bps | |
| Efficiency Ratio | 76.98% | 76.06% | 78.71% | 78.51% | 78.63% | 78.77% | 80.28% | 79.14% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 0.18% | 6.00% | 5.56% | 4.52% | 6.07% | 4.88% | 5.23% | -33 bps | |
| Loan Growth (YoY) | -1.80% | -1.21% | 1.00% | 2.08% | 4.94% | 3.34% | 2.38% | 2.15% | +7 bps | |
| Share Growth (YoY) | 8.06% | 8.46% | 8.44% | 6.13% | 3.88% | 5.47% | 5.05% | 5.35% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.03% | 0.75% | 0.87% | 0.92% | 1.18% | 0.84% | 0.92% | +5 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 | 11.88% | 12.13% | 11.86% | 11.97% | 12.19% | 12.21% | 12.03% | 12.16% | +19 bps | |
| Net Worth / Assets | 11.88% | 12.13% | 11.86% | 11.97% | 12.19% | 12.21% | 12.03% | 12.16% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.15% | 90.17% | 86.74% | 87.48% | 90.07% | 88.35% | 84.53% | 84.82% | -266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |