PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gr Consumers

Wyoming, MI · Charter 68332

NCUA · 2 branches

Q2 2026

$52.0MAssets
$23.5MLoans
$42.7MShares
$8.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.44%, up 92 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.16% of loans (-23 bps YoY).
  • Capital: net worth / assets of 16.64%, up 5 bps from a year ago.
  • Funding: loans stand at 55.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.44%+92 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+30 bps YoY

Efficiency Ratio (YTD, annualized)

89.29%-1,094 bps YoY

Net Worth / Assets

16.64%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.47%0.44%0.27%0.31%0.44%+92 bps
Return on Equity-2.86%2.53%1.59%1.87%2.66%+552 bps
Net Interest Margin3.10%3.14%3.09%3.35%3.39%+30 bps
Efficiency Ratio100.23%84.18%87.63%91.32%89.29%-1,094 bps
Growth
Asset Growth (YoY)1.84%3.64%1.73%1.98%4.13%+229 bps
Loan Growth (YoY)2.58%3.70%-0.02%3.90%-2.20%-478 bps
Share Growth (YoY)2.72%4.23%1.76%2.60%3.85%+112 bps
Asset Quality
Delinquent Loans / Loans0.39%0.26%0.44%0.12%0.16%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.58%17.39%16.89%16.51%16.64%+5 bps
Net Worth / Assets16.58%17.39%16.89%16.51%16.64%+5 bps
Liquidity & Funding
Loans / Shares58.43%59.59%55.78%54.21%55.03%-340 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps