Cadillac, MI · Charter 65639
NCUA · 3 branches
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 | 0.42% | 0.25% | -0.59% | -0.32% | -0.29% | -0.23% | -0.61% | -0.44% | -12 bps | |
| Return on Equity | 4.40% | 2.63% | -6.54% | -3.44% | -3.07% | -2.46% | -6.96% | -5.08% | -164 bps | |
| Net Interest Margin | 3.79% | 3.87% | 3.70% | 3.80% | 4.02% | 3.98% | 3.53% | 3.61% | -19 bps | |
| Efficiency Ratio | 88.92% | 90.00% | 100.54% | 97.14% | 97.99% | 98.02% | 105.89% | 100.77% | +364 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | 5.65% | 6.04% | 3.28% | -2.37% | -0.65% | 1.21% | 3.55% | +27 bps | |
| Loan Growth (YoY) | 4.95% | 4.31% | -1.76% | -9.77% | -4.46% | -3.61% | 1.11% | 7.17% | +1,694 bps | |
| Share Growth (YoY) | 2.45% | 5.63% | 5.35% | 2.35% | -3.38% | -1.25% | 0.94% | 3.25% | +90 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.80% | 0.56% | 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 | 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 | 9.62% | 9.50% | 9.08% | 9.17% | 9.57% | 9.34% | 8.75% | 8.57% | -60 bps | |
| Net Worth / Assets | 9.62% | 9.50% | 9.08% | 9.17% | 9.57% | 9.34% | 8.75% | 8.57% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.58% | 55.68% | 51.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |