Traverse City, MI · Charter 6844
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.08% | 1.12% | 1.50% | 1.55% | +61 bps | |
| Return on Equity | 9.91% | 10.98% | 11.46% | 15.03% | 14.86% | +495 bps | |
| Net Interest Margin | 3.34% | 3.47% | 3.56% | 3.83% | 3.96% | +61 bps | |
| Efficiency Ratio | 72.43% | 71.05% | 70.73% | 66.29% | 66.00% | -643 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | 1.68% | 5.28% | 4.51% | 4.07% | +315 bps | |
| Loan Growth (YoY) | 1.96% | 5.71% | 11.05% | 13.80% | 12.54% | +1,058 bps | |
| Share Growth (YoY) | -1.49% | 0.15% | 2.87% | 2.10% | 2.25% | +373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.42% | 0.24% | 0.12% | 0.84% | +29 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.48% | 9.79% | 9.77% | 9.98% | 10.42% | +94 bps | |
| Net Worth / Assets | 9.48% | 9.79% | 9.77% | 9.98% | 10.42% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.93% | 61.58% | 63.40% | 63.61% | 65.96% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |