Saginaw, MI · Charter 68703
NCUA · 5 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 | 0.02% | 0.31% | 0.96% | 0.75% | 0.66% | 0.80% | 0.40% | 0.42% | -32 bps | |
| Return on Equity | 0.21% | 3.19% | 9.81% | 7.49% | 6.50% | 7.75% | 3.95% | 4.12% | -337 bps | |
| Net Interest Margin | 2.92% | 2.97% | 3.33% | 3.50% | 3.57% | 3.63% | 3.66% | 3.68% | +18 bps | |
| Efficiency Ratio | 92.61% | 84.91% | 79.03% | 81.31% | 82.18% | 79.32% | 88.11% | 86.97% | +566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.94% | 2.01% | 1.50% | 2.53% | 1.53% | 2.06% | 2.56% | +106 bps | |
| Loan Growth (YoY) | -5.18% | -5.27% | -5.04% | -4.18% | -3.28% | -0.41% | 1.03% | 3.51% | +769 bps | |
| Share Growth (YoY) | 2.70% | 1.41% | -0.48% | -1.34% | -0.59% | 1.73% | 3.45% | 4.25% | +559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.40% | 0.29% | 0.20% | 0.25% | 0.30% | 0.38% | 0.43% | +23 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 | 9.61% | 9.72% | 9.79% | 9.96% | 10.09% | 10.31% | 10.17% | 10.28% | +32 bps | |
| Net Worth / Assets | 9.61% | 9.72% | 9.79% | 9.96% | 10.09% | 10.31% | 10.17% | 10.28% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.36% | 63.39% | 61.45% | 61.75% | 62.62% | 62.06% | 60.01% | 61.31% | -44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |