Ontonagon, MI · Charter 65085
NCUA · 1 branch
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 | 3.03% | 3.01% | 2.37% | 2.46% | 2.54% | 2.39% | 1.90% | 2.19% | -27 bps | |
| Return on Equity | 27.00% | 25.04% | 19.35% | 19.15% | 19.00% | 17.27% | 13.55% | 15.28% | -387 bps | |
| Net Interest Margin | 4.97% | 5.01% | 4.71% | 4.76% | 4.77% | 4.75% | 4.44% | 4.44% | -32 bps | |
| Efficiency Ratio | 46.47% | 47.75% | 56.02% | 54.88% | 53.51% | 56.43% | 63.18% | 57.63% | +275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -3.08% | 1.44% | 4.09% | 4.01% | 5.26% | 3.98% | 6.27% | +218 bps | |
| Loan Growth (YoY) | 14.43% | 11.67% | 1.60% | 5.44% | 2.83% | 9.90% | 10.93% | 13.72% | +828 bps | |
| Share Growth (YoY) | -8.87% | -6.57% | -1.45% | 1.52% | 1.59% | 3.17% | 1.88% | 4.50% | +298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.34% | 0.05% | 0.52% | 0.38% | 0.66% | 0.06% | 0.17% | -35 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 | 11.22% | 12.04% | 12.23% | 12.86% | 13.38% | 13.83% | 14.00% | 14.32% | +146 bps | |
| Net Worth / Assets | 11.22% | 12.04% | 12.23% | 12.86% | 13.38% | 13.83% | 14.00% | 14.32% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.96% | 56.75% | 53.73% | 56.89% | 57.65% | 60.45% | 58.50% | 61.91% | +502 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |