PackageTrendsPeer
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Kenowa Community

Wyoming, MI · Charter 8119

NCUA · 1 branch

Q2 2026

$30.4MAssets
$27.0MLoans
$25.5MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.28%, up 53 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.22% of loans (+19 bps YoY).
  • Capital: net worth / assets of 16.08%, up 139 bps from a year ago.
  • Funding: loans stand at 106.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+53 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+32 bps YoY

Efficiency Ratio (YTD, annualized)

72.32%-32 bps YoY

Net Worth / Assets

16.08%+139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%1.08%1.29%1.16%1.28%+53 bps
Return on Equity5.12%7.10%8.41%7.58%7.99%+287 bps
Net Interest Margin4.30%4.45%4.48%4.40%4.62%+32 bps
Efficiency Ratio72.63%71.77%70.66%77.43%72.32%-32 bps
Growth
Asset Growth (YoY)-3.66%-7.88%-3.03%-1.78%1.24%+490 bps
Loan Growth (YoY)-2.23%4.90%7.86%14.85%22.74%+2,497 bps
Share Growth (YoY)-4.98%-10.08%-4.37%-3.51%-0.65%+432 bps
Asset Quality
Delinquent Loans / Loans0.02%0.21%0.50%0.26%0.22%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.69%15.28%15.37%15.34%16.08%+139 bps
Net Worth / Assets14.69%15.28%15.37%15.34%16.08%+139 bps
Liquidity & Funding
Loans / Shares85.90%94.46%93.85%95.30%106.12%+2,022 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps