Fremont, MI · Charter 6832
NCUA · 3 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 | 0.41% | 0.50% | 0.72% | 0.69% | 0.95% | 0.99% | 0.38% | 0.74% | +4 bps | |
| Return on Equity | 4.29% | 5.22% | 7.48% | 7.18% | 9.51% | 9.77% | 3.83% | 7.24% | +7 bps | |
| Net Interest Margin | 2.78% | 2.80% | 2.95% | 3.03% | 3.11% | 3.12% | 3.11% | 3.20% | +17 bps | |
| Efficiency Ratio | 84.79% | 82.26% | 80.62% | 77.98% | 74.40% | 73.41% | 80.56% | 76.32% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.72% | 5.73% | 6.02% | 6.45% | 5.77% | 5.13% | 5.80% | 5.11% | -134 bps | |
| Loan Growth (YoY) | 2.94% | 2.07% | 0.92% | -0.36% | -0.30% | 1.00% | 1.37% | 1.57% | +193 bps | |
| Share Growth (YoY) | 3.68% | 4.62% | 4.41% | 5.60% | 4.20% | 3.95% | 4.87% | 4.19% | -140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.77% | 0.60% | 0.75% | 0.61% | 0.92% | 0.69% | 0.89% | +15 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 | 9.57% | 9.63% | 9.62% | 9.66% | 9.95% | 10.15% | 9.98% | 10.19% | +53 bps | |
| Net Worth / Assets | 9.57% | 9.63% | 9.62% | 9.66% | 9.95% | 10.15% | 9.98% | 10.19% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.46% | 64.12% | 62.21% | 62.10% | 62.63% | 62.30% | 60.12% | 60.54% | -156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |