Grand Blanc, MI · Charter 68708
NCUA · 16 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 | 0.55% | 0.56% | 0.21% | 0.46% | 0.53% | 0.54% | 0.63% | 0.55% | +9 bps | |
| Return on Equity | 5.40% | 5.45% | 2.15% | 4.39% | 4.87% | 5.03% | 6.16% | 5.29% | +91 bps | |
| Net Interest Margin | 3.02% | 3.03% | 3.10% | 3.27% | 3.46% | 3.49% | 3.58% | 3.64% | +37 bps | |
| Efficiency Ratio | 77.88% | 78.10% | 83.19% | 78.94% | 78.56% | 79.28% | 70.33% | 73.64% | -530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.56% | -1.13% | 2.68% | 1.62% | -2.04% | -0.36% | 3.65% | 5.34% | +372 bps | |
| Loan Growth (YoY) | 38.63% | 4.05% | 6.62% | 0.56% | -1.71% | 3.50% | -0.11% | 7.39% | +683 bps | |
| Share Growth (YoY) | 40.12% | 0.83% | 2.48% | 1.65% | -2.71% | 1.51% | 5.97% | 7.41% | +576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.91% | 0.75% | 0.76% | 0.77% | 1.04% | 0.71% | 0.57% | -19 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 | 10.17% | 10.19% | 9.99% | 10.40% | 10.87% | 10.73% | 10.22% | 10.41% | +1 bps | |
| Net Worth / Assets | 10.17% | 10.19% | 9.99% | 10.40% | 10.87% | 10.73% | 10.22% | 10.41% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.52% | 88.36% | 88.04% | 88.94% | 93.47% | 90.09% | 82.99% | 88.93% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |