Battle Creek, MI · Charter 68678
NCUA · 14 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 | 1.72% | 1.56% | 1.04% | 1.27% | 1.40% | 1.40% | 1.37% | 1.44% | +17 bps | |
| Return on Equity | 10.37% | 9.39% | 6.36% | 7.55% | 8.13% | 8.27% | 8.30% | 8.61% | +105 bps | |
| Net Interest Margin | 3.10% | 3.09% | 3.15% | 3.28% | 3.42% | 3.34% | 3.42% | 3.44% | +16 bps | |
| Efficiency Ratio | 58.35% | 60.61% | 70.07% | 66.72% | 64.75% | 64.03% | 58.50% | 57.24% | -947 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.58% | 5.85% | 4.11% | 3.97% | 3.56% | 5.96% | 8.10% | 9.90% | +593 bps | |
| Loan Growth (YoY) | 2.21% | 4.90% | 7.49% | 8.56% | 7.29% | 5.34% | 4.20% | 3.37% | -518 bps | |
| Share Growth (YoY) | 4.99% | 5.27% | 3.38% | 3.08% | 2.76% | 4.79% | 7.72% | 10.09% | +700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.80% | 0.51% | 0.57% | 0.48% | 0.69% | 0.51% | 0.41% | -16 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 | 16.54% | 16.57% | 16.39% | 16.84% | 17.23% | 16.98% | 16.54% | 16.72% | -11 bps | |
| Net Worth / Assets | 16.54% | 16.57% | 16.39% | 16.84% | 17.23% | 16.98% | 16.54% | 16.72% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.14% | 89.57% | 88.00% | 90.62% | 93.07% | 90.03% | 85.12% | 85.09% | -552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |