Traverse City, MI · Charter 8077
NCUA · 1 branch
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 | 1.68% | 1.67% | 1.55% | 1.69% | 1.81% | 1.69% | 1.03% | 1.20% | -50 bps | |
| Return on Equity | 10.61% | 10.61% | 9.40% | 9.80% | 9.86% | 9.14% | 5.55% | 6.16% | -364 bps | |
| Net Interest Margin | 4.45% | 4.45% | 4.62% | 4.82% | 4.84% | 4.69% | 4.38% | 4.43% | -38 bps | |
| Efficiency Ratio | 70.35% | 68.85% | 68.49% | 69.86% | 69.40% | 70.71% | 84.52% | 79.13% | +927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -3.19% | -2.57% | -2.38% | -3.93% | -6.73% | -3.32% | -4.36% | -199 bps | |
| Loan Growth (YoY) | 6.15% | 1.60% | -8.03% | -10.58% | -8.34% | -7.84% | -9.32% | -11.64% | -106 bps | |
| Share Growth (YoY) | -8.24% | -3.40% | -3.91% | -3.91% | -6.36% | -8.79% | -4.28% | -4.53% | -61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.84% | 1.14% | 0.64% | 0.75% | 1.12% | 1.35% | 1.88% | +124 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 | 15.85% | 15.70% | 16.49% | 17.29% | 18.34% | 18.47% | 18.53% | 19.47% | +218 bps | |
| Net Worth / Assets | 15.85% | 15.70% | 16.49% | 17.29% | 18.34% | 18.47% | 18.53% | 19.47% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.31% | 65.58% | 65.12% | 65.23% | 68.82% | 66.26% | 61.69% | 60.37% | -486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |