Manistique, MI · Charter 68743
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.90% | 0.92% | 0.90% | 0.44% | 0.51% | -39 bps | |
| Return on Equity | 7.18% | 8.34% | 8.48% | 8.23% | 4.04% | 4.76% | -358 bps | |
| Net Interest Margin | 4.05% | 4.17% | 4.28% | 4.26% | 4.15% | 4.09% | -7 bps | |
| Efficiency Ratio | 77.23% | 77.82% | 77.25% | 77.91% | 82.33% | 83.19% | +536 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 4.29% | 7.39% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 2.83% | 3.60% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.73% | 7.18% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.70% | 0.63% | 0.77% | 0.80% | 0.64% | 0.55% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | ||||||||
| Risk-Based Capital | 10.46% | 10.77% | 10.90% | 10.87% | 10.84% | 10.73% | -4 bps | |
| Net Worth / Assets | 10.46% | 10.77% | 10.90% | 10.87% | 10.84% | 10.73% | -4 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 88.93% | 92.50% | 92.64% | 89.43% | 88.15% | 89.40% | -309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |