Cadillac, MI · Charter 65639
NCUA · 3 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 | -0.32% | -0.29% | -0.23% | -0.61% | -0.44% | -12 bps | |
| Return on Equity | -3.44% | -3.07% | -2.46% | -6.96% | -5.08% | -164 bps | |
| Net Interest Margin | 3.80% | 4.02% | 3.98% | 3.53% | 3.61% | -19 bps | |
| Efficiency Ratio | 97.14% | 97.99% | 98.02% | 105.89% | 100.77% | +364 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.28% | -2.37% | -0.65% | 1.21% | 3.55% | +27 bps | |
| Loan Growth (YoY) | -9.77% | -4.46% | -3.61% | 1.11% | 7.17% | +1,694 bps | |
| Share Growth (YoY) | 2.35% | -3.38% | -1.25% | 0.94% | 3.25% | +90 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.46% | 0.43% | 0.39% | 0.81% | -18 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 | 9.17% | 9.57% | 9.34% | 8.75% | 8.57% | -60 bps | |
| Net Worth / Assets | 9.17% | 9.57% | 9.34% | 8.75% | 8.57% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.37% | 56.93% | 54.35% | 51.41% | 52.28% | +191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |