PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shore to Shore Community

Trenton, MI · Charter 8349

NCUA · 2 branches

Q2 2026

$85.0MAssets
$28.5MLoans
$74.2MShares
$10.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.61%, up 20 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.73% of loans (-123 bps YoY).
  • Capital: net worth / assets of 12.03%, up 121 bps from a year ago.
  • Funding: loans stand at 38.40% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.61%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+17 bps YoY

Efficiency Ratio (YTD, annualized)

67.53%-162 bps YoY

Net Worth / Assets

12.03%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.42%1.41%1.40%1.41%1.39%1.53%1.61%+20 bps
Return on Equity14.70%13.70%13.56%12.97%12.36%11.91%13.20%13.37%+40 bps
Net Interest Margin3.73%3.78%3.77%3.87%4.03%4.04%3.95%4.04%+17 bps
Efficiency Ratio66.25%67.66%68.27%69.16%67.74%68.67%68.91%67.53%-162 bps
Growth
Asset Growth (YoY)0.11%3.03%1.50%-1.69%-0.20%0.19%1.52%1.89%+359 bps
Loan Growth (YoY)-0.74%-0.23%0.82%0.82%-1.98%-1.35%-3.18%-1.62%-245 bps
Share Growth (YoY)-1.17%1.50%-0.11%-3.11%-1.30%-0.98%0.46%0.36%+347 bps
Asset Quality
Delinquent Loans / Loans1.00%1.13%1.66%1.96%2.03%1.34%0.70%0.73%-123 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 Capital10.03%10.34%10.42%10.82%11.37%11.66%11.59%12.03%+121 bps
Net Worth / Assets10.03%10.34%10.42%10.82%11.37%11.66%11.59%12.03%+121 bps
Liquidity & Funding
Loans / Shares40.22%40.23%38.67%39.17%39.95%40.08%37.27%38.40%-77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps