PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest Consumers

Traverse City, MI · Charter 8077

NCUA · 1 branch

Q2 2026

$25.1MAssets
$12.0MLoans
$19.8MShares
$4.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.20%, down 50 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 1.88% of loans (+124 bps YoY).
  • Capital: net worth / assets of 19.47%, up 218 bps from a year ago.
  • Funding: loans stand at 60.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.43%-38 bps YoY

Efficiency Ratio (YTD, annualized)

79.13%+927 bps YoY

Net Worth / Assets

19.47%+218 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.67%1.55%1.69%1.81%1.69%1.03%1.20%-50 bps
Return on Equity10.61%10.61%9.40%9.80%9.86%9.14%5.55%6.16%-364 bps
Net Interest Margin4.45%4.45%4.62%4.82%4.84%4.69%4.38%4.43%-38 bps
Efficiency Ratio70.35%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 / Loans0.93%0.84%1.14%0.64%0.75%1.12%1.35%1.88%+124 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.85%15.70%16.49%17.29%18.34%18.47%18.53%19.47%+218 bps
Net Worth / Assets15.85%15.70%16.49%17.29%18.34%18.47%18.53%19.47%+218 bps
Liquidity & Funding
Loans / Shares70.31%65.58%65.12%65.23%68.82%66.26%61.69%60.37%-486 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps