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Traverse Catholic

Traverse City, MI · Charter 6844

NCUA · 3 branches

Q2 2026

$92.2MAssets
$54.5MLoans
$82.6MShares
$9.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.55%, up 61 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.84% of loans (+29 bps YoY).
  • Capital: net worth / assets of 10.42%, up 94 bps from a year ago.
  • Funding: loans stand at 65.96% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.55%+61 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+61 bps YoY

Efficiency Ratio (quarter, annualized)

66.00%-643 bps YoY

Net Worth / Assets

10.42%+94 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.59%0.79%0.94%1.08%1.12%1.50%1.55%+61 bps
Return on Equity6.96%6.43%8.60%9.91%10.98%11.46%15.03%14.86%+495 bps
Net Interest Margin2.77%2.92%3.26%3.34%3.47%3.56%3.83%3.96%+61 bps
Efficiency Ratio81.43%79.96%71.61%72.43%71.05%70.73%66.29%66.00%-643 bps
Growth
Asset Growth (YoY)-1.82%-1.80%1.75%0.91%1.68%5.28%4.51%4.07%+315 bps
Loan Growth (YoY)-8.81%-6.54%-4.63%1.96%5.71%11.05%13.80%12.54%+1,058 bps
Share Growth (YoY)-5.17%-3.72%-0.33%-1.49%0.15%2.87%2.10%2.25%+373 bps
Asset Quality
Delinquent Loans / Loans0.98%0.67%0.54%0.55%0.42%0.24%0.12%0.84%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.91%9.12%9.21%9.48%9.79%9.77%9.98%10.42%+94 bps
Net Worth / Assets8.91%9.12%9.21%9.48%9.79%9.77%9.98%10.42%+94 bps
Liquidity & Funding
Loans / Shares58.34%58.73%57.07%59.93%61.58%63.40%63.61%65.96%+603 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps