Jackson, MI · Charter 65595
NCUA · 17 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.26% | 0.56% | 0.33% | 0.53% | +39 bps | |
| Return on Equity | 0.91% | 1.69% | 3.63% | 2.16% | 3.38% | +247 bps | |
| Net Interest Margin | 5.30% | 5.50% | 5.49% | 5.38% | 5.57% | +27 bps | |
| Efficiency Ratio | 72.01% | 71.97% | 70.13% | 75.22% | 72.89% | +88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.44% | -3.07% | -0.49% | -0.97% | -0.75% | +469 bps | |
| Loan Growth (YoY) | 3.66% | 1.90% | -2.12% | -2.83% | -5.22% | -888 bps | |
| Share Growth (YoY) | -6.40% | -3.54% | -0.64% | -1.45% | -1.31% | +509 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.37% | 2.46% | 2.14% | 2.07% | -13 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 | 15.08% | 15.60% | 15.40% | 15.27% | 15.58% | +50 bps | |
| Net Worth / Assets | 15.08% | 15.60% | 15.40% | 15.27% | 15.58% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.28% | 88.66% | 86.24% | 83.51% | 83.82% | -346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |