Wyoming, MI · Charter 68332
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 | 0.61% | 0.40% | -0.23% | -0.47% | 0.44% | 0.27% | 0.31% | 0.44% | +92 bps | |
| Return on Equity | 3.46% | 2.36% | -1.42% | -2.86% | 2.53% | 1.59% | 1.87% | 2.66% | +552 bps | |
| Net Interest Margin | 3.22% | 3.05% | 3.14% | 3.10% | 3.14% | 3.09% | 3.35% | 3.39% | +30 bps | |
| Efficiency Ratio | 83.60% | 86.11% | 96.32% | 100.23% | 84.18% | 87.63% | 91.32% | 89.29% | -1,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | 5.59% | 4.97% | 1.84% | 3.64% | 1.73% | 1.98% | 4.13% | +229 bps | |
| Loan Growth (YoY) | -3.13% | -0.41% | -3.45% | 2.58% | 3.70% | -0.02% | 3.90% | -2.20% | -478 bps | |
| Share Growth (YoY) | -1.03% | 5.22% | 5.24% | 2.72% | 4.23% | 1.76% | 2.60% | 3.85% | +112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.50% | 0.37% | 0.39% | 0.26% | 0.44% | 0.12% | 0.16% | -23 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 | 17.72% | 16.91% | 16.43% | 16.58% | 17.39% | 16.89% | 16.51% | 16.64% | +5 bps | |
| Net Worth / Assets | 17.72% | 16.91% | 16.43% | 16.58% | 17.39% | 16.89% | 16.51% | 16.64% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.89% | 56.77% | 53.53% | 58.43% | 59.59% | 55.78% | 54.21% | 55.03% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |