Portland, MI · Charter 68690
NCUA · 13 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.65% | 0.61% | 0.54% | 0.79% | 0.90% | 0.91% | 1.15% | +62 bps | |
| Return on Equity | 5.23% | 6.15% | 5.81% | 4.98% | 7.09% | 8.03% | 8.16% | 10.23% | +525 bps | |
| Net Interest Margin | 3.50% | 3.48% | 3.69% | 3.86% | 3.98% | 4.00% | 4.07% | 4.13% | +27 bps | |
| Efficiency Ratio | 82.49% | 80.70% | 83.10% | 81.84% | 78.76% | 77.01% | 76.78% | 73.36% | -848 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | 1.72% | 1.61% | 1.66% | 2.38% | 2.18% | 3.17% | 6.21% | +455 bps | |
| Loan Growth (YoY) | -0.27% | -0.14% | 2.38% | 4.14% | 7.75% | 10.02% | 8.25% | 7.09% | +296 bps | |
| Share Growth (YoY) | -0.69% | 0.59% | 0.26% | 0.44% | 1.40% | 0.80% | 1.99% | 5.10% | +466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.60% | 0.51% | 0.46% | 0.53% | 0.59% | 0.33% | 0.37% | -9 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 | 10.68% | 10.62% | 10.58% | 10.82% | 11.18% | 11.20% | 11.12% | 11.29% | +46 bps | |
| Net Worth / Assets | 10.68% | 10.62% | 10.58% | 10.82% | 11.18% | 11.20% | 11.12% | 11.29% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.13% | 68.68% | 68.72% | 71.88% | 74.52% | 74.97% | 72.93% | 73.24% | +137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |