Onaway, MI · Charter 7465
NCUA · 6 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 | 1.31% | 1.38% | 1.57% | 1.94% | 1.91% | 1.84% | 1.60% | 1.47% | -47 bps | |
| Return on Equity | 11.36% | 11.58% | 12.81% | 16.09% | 14.97% | 13.93% | 12.06% | 10.85% | -524 bps | |
| Net Interest Margin | 4.30% | 4.39% | 4.56% | 4.42% | 4.66% | 4.72% | 4.69% | 4.70% | +28 bps | |
| Efficiency Ratio | 68.90% | 68.21% | 67.94% | 63.68% | 64.25% | 65.90% | 71.24% | 70.86% | +718 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | 2.14% | 2.35% | 9.69% | 5.23% | 4.84% | 6.85% | 0.57% | -912 bps | |
| Loan Growth (YoY) | 0.23% | -1.09% | -0.24% | 0.75% | 1.88% | 2.07% | 3.09% | 2.18% | +143 bps | |
| Share Growth (YoY) | 0.55% | 2.26% | 1.45% | 9.71% | 4.43% | 2.84% | 5.42% | -0.94% | -1,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.87% | 0.72% | 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 | 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 | 11.54% | 11.90% | 12.25% | 12.08% | 12.78% | 13.19% | 13.29% | 13.54% | +146 bps | |
| Net Worth / Assets | 11.54% | 11.90% | 12.25% | 12.08% | 12.78% | 13.19% | 13.29% | 13.54% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.41% | 81.64% | 81.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |