Wolverine Lake, MI · Charter 6613
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.09% | 0.43% | 0.75% | 0.15% | 1.23% | 0.95% | 1.37% | +61 bps | |
| Return on Equity | 8.01% | 8.14% | 3.20% | 5.62% | 1.11% | 8.77% | 6.64% | 9.38% | +377 bps | |
| Net Interest Margin | 2.78% | 2.86% | 2.98% | 3.04% | 0.40% | 3.19% | 3.46% | 3.52% | +48 bps | |
| Efficiency Ratio | 68.82% | 67.19% | 85.66% | 76.52% | 61.07% | 67.13% | 74.47% | 65.91% | -1,061 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | -0.73% | -1.99% | -1.21% | 0.23% | 4.02% | 2.51% | 1.71% | +291 bps | |
| Loan Growth (YoY) | 3.55% | 1.39% | -1.26% | -0.77% | -5.22% | -6.83% | -6.45% | -4.75% | -398 bps | |
| Share Growth (YoY) | -2.17% | -3.27% | -5.09% | -3.64% | -1.63% | 1.56% | 0.82% | 0.45% | +409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.26% | 0.35% | 0.45% | 0.97% | 0.59% | 1.09% | 1.50% | +105 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 | 12.91% | 13.43% | 13.34% | 13.42% | 13.89% | 14.06% | 14.29% | 14.58% | +116 bps | |
| Net Worth / Assets | 12.91% | 13.43% | 13.34% | 13.42% | 13.89% | 14.06% | 14.29% | 14.58% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.32% | 28.41% | 27.67% | 27.45% | 27.28% | 26.07% | 25.67% | 26.03% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |