Lansing, MI · Charter 68632
NCUA · 10 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 | 13.36% | 9.56% | 0.86% | 0.98% | 0.82% | 0.57% | 0.36% | 0.31% | -66 bps | |
| Return on Equity | 64.27% | 47.67% | 4.34% | 4.83% | 4.02% | 2.79% | 1.75% | 1.52% | -330 bps | |
| Net Interest Margin | 3.74% | 3.81% | 4.11% | 4.21% | 4.29% | 4.35% | 4.53% | 4.57% | +36 bps | |
| Efficiency Ratio | 20.21% | 26.94% | 73.05% | 71.07% | 70.36% | 71.52% | 80.71% | 78.61% | +754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.96% | 9.65% | 8.74% | 1.82% | 1.72% | 0.88% | -1.61% | -1.94% | -376 bps | |
| Loan Growth (YoY) | -1.80% | -3.94% | -3.59% | -2.25% | -0.88% | 1.32% | 1.56% | -5.93% | -368 bps | |
| Share Growth (YoY) | 2.04% | 2.73% | 1.26% | 1.45% | 1.70% | 0.20% | -2.65% | -2.85% | -430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.69% | 1.15% | 1.14% | 1.30% | 1.35% | 1.05% | 1.24% | +10 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 | 20.79% | 20.06% | 19.84% | 20.22% | 20.49% | 20.27% | 20.42% | 20.67% | +45 bps | |
| Net Worth / Assets | 20.79% | 20.06% | 19.84% | 20.22% | 20.49% | 20.27% | 20.42% | 20.67% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.92% | 86.29% | 83.26% | 84.78% | 86.67% | 87.25% | 86.86% | 82.09% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |