PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pfcu

Portland, MI · Charter 68690

NCUA · 13 branches

Q2 2026

$873.2MAssets
$564.2MLoans
$770.3MShares
$98.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, up 62 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.37% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.29%, up 46 bps from a year ago.
  • Funding: loans stand at 73.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+27 bps YoY

Efficiency Ratio (YTD, annualized)

73.36%-848 bps YoY

Net Worth / Assets

11.29%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.79%0.90%0.91%1.15%+62 bps
Return on Equity4.98%7.09%8.03%8.16%10.23%+525 bps
Net Interest Margin3.86%3.98%4.00%4.07%4.13%+27 bps
Efficiency Ratio81.84%78.76%77.01%76.78%73.36%-848 bps
Growth
Asset Growth (YoY)1.66%2.38%2.18%3.17%6.21%+455 bps
Loan Growth (YoY)4.14%7.75%10.02%8.25%7.09%+296 bps
Share Growth (YoY)0.44%1.40%0.80%1.99%5.10%+466 bps
Asset Quality
Delinquent Loans / Loans0.46%0.53%0.59%0.33%0.37%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.82%11.18%11.20%11.12%11.29%+46 bps
Net Worth / Assets10.82%11.18%11.20%11.12%11.29%+46 bps
Liquidity & Funding
Loans / Shares71.88%74.52%74.97%72.93%73.24%+137 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps