Brownstown, MI · Charter 14098
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.15% | 0.73% | 0.31% | 0.06% | -0.49% | -0.26% | -0.05% | -35 bps | |
| Return on Equity | -1.12% | -0.96% | 4.78% | 1.96% | 0.37% | -3.41% | -1.84% | -0.33% | -229 bps | |
| Net Interest Margin | 2.97% | 3.11% | 3.12% | 3.26% | 3.27% | 3.23% | 3.51% | 3.57% | +31 bps | |
| Efficiency Ratio | 111.17% | 108.58% | 95.00% | 98.70% | 100.52% | 109.58% | 98.52% | 95.26% | -344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.59% | -6.78% | -7.24% | -5.58% | -0.83% | 3.59% | 4.27% | 4.74% | +1,032 bps | |
| Loan Growth (YoY) | -5.95% | -9.99% | -15.88% | -13.60% | -3.07% | 1.15% | 9.89% | 19.13% | +3,273 bps | |
| Share Growth (YoY) | -2.08% | -5.78% | -6.15% | -6.33% | -2.65% | 5.41% | 5.80% | 8.11% | +1,445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.02% | 0.39% | 0.44% | 0.54% | 0.78% | 0.49% | 1.52% | +108 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 | 15.36% | 15.64% | 15.34% | 15.56% | 15.39% | 14.48% | 13.88% | 14.09% | -147 bps | |
| Net Worth / Assets | 15.36% | 15.64% | 15.34% | 15.56% | 15.39% | 14.48% | 13.88% | 14.09% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.56% | 55.52% | 50.29% | 52.03% | 56.32% | 53.28% | 52.23% | 57.33% | +530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |