Lanse, MI · Charter 7672
NCUA · 1 branch
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 | 0.63% | 0.94% | 1.16% | 1.11% | 1.22% | +59 bps | |
| Return on Equity | 6.52% | 9.59% | 11.32% | 10.85% | 11.63% | +511 bps | |
| Net Interest Margin | 2.52% | 2.61% | 2.69% | 2.94% | 3.01% | +48 bps | |
| Efficiency Ratio | 80.16% | 71.24% | 67.07% | 68.91% | 66.58% | -1,358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.53% | 7.72% | 7.70% | 8.04% | 6.87% | +34 bps | |
| Loan Growth (YoY) | 4.56% | 7.89% | 3.32% | 5.47% | 3.02% | -154 bps | |
| Share Growth (YoY) | 3.12% | 3.96% | 5.15% | 5.71% | 5.11% | +199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.11% | 0.21% | 0.35% | 0.49% | +39 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 | 9.72% | 9.85% | 10.22% | 10.25% | 10.48% | +77 bps | |
| Net Worth / Assets | 9.72% | 9.85% | 10.22% | 10.25% | 10.48% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.27% | 37.13% | 35.58% | 34.44% | 35.55% | -72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |