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Limestone Financial

Manistique, MI · Charter 68743

NCUA · 3 branches

Q2 2026

$83.1MAssets
$65.3MLoans
$73.1MShares
$8.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, down 39 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.55% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.73%, down 4 bps from a year ago.
  • Funding: loans stand at 89.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-7 bps YoY

Efficiency Ratio (YTD, annualized)

83.19%+536 bps YoY

Net Worth / Assets

10.73%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.92%0.90%0.44%0.51%-39 bps
Return on Equity8.34%8.48%8.23%4.04%4.76%-358 bps
Net Interest Margin4.17%4.28%4.26%4.15%4.09%-7 bps
Efficiency Ratio77.82%77.25%77.91%82.33%83.19%+536 bps
Growth
Asset Growth (YoY)n/an/an/a4.29%7.39%n/a
Loan Growth (YoY)n/an/an/a2.83%3.60%n/a
Share Growth (YoY)n/an/an/a3.73%7.18%n/a
Asset Quality
Delinquent Loans / Loans0.63%0.77%0.80%0.64%0.55%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.77%10.90%10.87%10.84%10.73%-4 bps
Net Worth / Assets10.77%10.90%10.87%10.84%10.73%-4 bps
Liquidity & Funding
Loans / Shares92.50%92.64%89.43%88.15%89.40%-309 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps