PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American 1

Jackson, MI · Charter 65595

NCUA · 17 branches

Q2 2026

$661.3MAssets
$455.4MLoans
$543.3MShares
$103.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.53%, up 39 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 2.07% of loans (-13 bps YoY).
  • Capital: net worth / assets of 15.58%, up 50 bps from a year ago.
  • Funding: loans stand at 83.82% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.53%+39 bps YoY

Net Interest Margin (quarter, annualized)

5.57%+27 bps YoY

Efficiency Ratio (quarter, annualized)

72.89%+88 bps YoY

Net Worth / Assets

15.58%+50 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.80%-0.06%0.14%0.26%0.56%0.33%0.53%+39 bps
Return on Equity5.70%5.32%-0.43%0.91%1.69%3.63%2.16%3.38%+247 bps
Net Interest Margin4.95%5.09%5.07%5.30%5.50%5.49%5.38%5.57%+27 bps
Efficiency Ratio69.63%69.70%74.93%72.01%71.97%70.13%75.22%72.89%+88 bps
Growth
Asset Growth (YoY)-3.49%-3.32%-2.81%-5.44%-3.07%-0.49%-0.97%-0.75%+469 bps
Loan Growth (YoY)5.81%6.87%5.46%3.66%1.90%-2.12%-2.83%-5.22%-888 bps
Share Growth (YoY)-5.40%-4.35%-3.55%-6.40%-3.54%-0.64%-1.45%-1.31%+509 bps
Asset Quality
Delinquent Loans / Loans2.16%2.56%2.24%2.21%2.37%2.46%2.14%2.07%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.15%15.14%14.84%15.08%15.60%15.40%15.27%15.58%+50 bps
Net Worth / Assets15.15%15.14%14.84%15.08%15.60%15.40%15.27%15.58%+50 bps
Liquidity & Funding
Loans / Shares83.92%87.55%84.70%87.28%88.66%86.24%83.51%83.82%-346 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps