Cheboygan, MI · Charter 7428
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.17% | 1.22% | 0.96% | 1.27% | +33 bps | |
| Return on Equity | 8.58% | 10.36% | 10.60% | 8.31% | 10.80% | +222 bps | |
| Net Interest Margin | 3.83% | 3.94% | 4.08% | 4.32% | 4.29% | +45 bps | |
| Efficiency Ratio | 79.01% | 74.40% | 72.25% | 78.27% | 73.74% | -526 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.03% | 3.49% | 3.75% | 6.17% | 5.70% | -233 bps | |
| Loan Growth (YoY) | 5.21% | 6.99% | 5.57% | 4.41% | 4.18% | -103 bps | |
| Share Growth (YoY) | 6.74% | 2.46% | 1.71% | 4.48% | 4.89% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.41% | 2.64% | 2.44% | 2.77% | +62 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 | 10.98% | 11.30% | 11.51% | 11.50% | 11.74% | +75 bps | |
| Net Worth / Assets | 10.98% | 11.30% | 11.51% | 11.50% | 11.74% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.13% | 48.03% | 47.29% | 46.02% | 46.81% | -32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |