Onaway, MI · Charter 7465
NCUA · 6 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 | 1.94% | 1.91% | 1.84% | 1.60% | 1.47% | -47 bps | |
| Return on Equity | 16.09% | 14.97% | 13.93% | 12.06% | 10.85% | -524 bps | |
| Net Interest Margin | 4.42% | 4.66% | 4.72% | 4.69% | 4.70% | +28 bps | |
| Efficiency Ratio | 63.68% | 64.25% | 65.90% | 71.24% | 70.86% | +718 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.69% | 5.23% | 4.84% | 6.85% | 0.57% | -912 bps | |
| Loan Growth (YoY) | 0.75% | 1.88% | 2.07% | 3.09% | 2.18% | +143 bps | |
| Share Growth (YoY) | 9.71% | 4.43% | 2.84% | 5.42% | -0.94% | -1,065 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 1.09% | 1.23% | 1.11% | 1.86% | +84 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 | 12.08% | 12.78% | 13.19% | 13.29% | 13.54% | +146 bps | |
| Net Worth / Assets | 12.08% | 12.78% | 13.19% | 13.29% | 13.54% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.83% | 80.39% | 81.03% | 79.92% | 80.28% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |