Muskegon, MI · Charter 7509
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.90% | 0.46% | 0.53% | 0.53% | 0.45% | 0.73% | 0.60% | +7 bps | |
| Return on Equity | 9.00% | 8.30% | 4.26% | 4.95% | 4.87% | 4.02% | 6.75% | 5.49% | +54 bps | |
| Net Interest Margin | 2.46% | 2.47% | 2.55% | 2.67% | 2.77% | 2.91% | 3.06% | 3.10% | +43 bps | |
| Efficiency Ratio | 73.50% | 75.62% | 75.37% | 76.56% | 79.31% | 82.22% | 78.69% | 82.16% | +559 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 10.53% | 6.95% | 9.41% | 5.45% | 1.00% | 4.11% | 2.29% | -713 bps | |
| Loan Growth (YoY) | 1.62% | 1.97% | 4.46% | 7.62% | 8.09% | 9.68% | 8.67% | 7.03% | -59 bps | |
| Share Growth (YoY) | 8.49% | 10.77% | 7.68% | 9.60% | 5.68% | 0.42% | 3.86% | 1.74% | -786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.09% | 0.15% | 0.25% | 0.15% | 0.34% | 0.12% | 0.18% | -8 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 | 11.03% | 10.89% | 10.82% | 10.80% | 10.97% | 11.17% | 10.83% | 10.97% | +17 bps | |
| Net Worth / Assets | 11.03% | 10.89% | 10.82% | 10.80% | 10.97% | 11.17% | 10.83% | 10.97% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.93% | 42.80% | 42.50% | 43.63% | 44.94% | 46.75% | 44.46% | 45.90% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |