Jackson, MI · Charter 68718
NCUA · 15 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.96% | 1.08% | 1.01% | 1.09% | +7 bps | |
| Return on Equity | 9.32% | 8.59% | 9.58% | 8.94% | 9.40% | +8 bps | |
| Net Interest Margin | 4.90% | 5.08% | 5.01% | 4.90% | 4.91% | +1 bps | |
| Efficiency Ratio | 74.38% | 72.79% | 69.84% | 71.07% | 69.73% | -465 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.03% | 3.78% | 5.92% | 3.81% | 3.93% | -10 bps | |
| Loan Growth (YoY) | 5.13% | 2.62% | 0.93% | 1.80% | 3.12% | -201 bps | |
| Share Growth (YoY) | 2.91% | 2.88% | 5.20% | 2.78% | 5.46% | +255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 1.63% | 1.73% | 1.47% | 1.59% | +48 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.95% | 11.19% | 11.31% | 11.32% | 11.59% | +64 bps | |
| Net Worth / Assets | 10.95% | 11.19% | 11.31% | 11.32% | 11.59% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.63% | 89.31% | 87.16% | 86.14% | 86.66% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |