Jackson, MI · Charter 68718
NCUA · 15 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 | 0.29% | 0.36% | 0.85% | 1.02% | 0.96% | 1.08% | 1.01% | 1.09% | +7 bps | |
| Return on Equity | 2.65% | 3.32% | 7.96% | 9.32% | 8.59% | 9.58% | 8.94% | 9.40% | +8 bps | |
| Net Interest Margin | 4.58% | 4.64% | 4.77% | 4.90% | 5.08% | 5.01% | 4.90% | 4.91% | +1 bps | |
| Efficiency Ratio | 78.65% | 79.15% | 76.85% | 74.38% | 72.79% | 69.84% | 71.07% | 69.73% | -465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.95% | 25.24% | 3.09% | 4.03% | 3.78% | 5.92% | 3.81% | 3.93% | -10 bps | |
| Loan Growth (YoY) | 17.16% | 19.80% | 4.15% | 5.13% | 2.62% | 0.93% | 1.80% | 3.12% | -201 bps | |
| Share Growth (YoY) | 22.41% | 24.79% | 2.27% | 2.91% | 2.88% | 5.20% | 2.78% | 5.46% | +255 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.20% | 1.00% | 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 | 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 | 10.78% | 10.89% | 10.66% | 10.95% | 11.19% | 11.31% | 11.32% | 11.59% | +64 bps | |
| Net Worth / Assets | 10.78% | 10.89% | 10.66% | 10.95% | 11.19% | 11.31% | 11.32% | 11.59% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.54% | 90.84% | 86.97% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |