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Parda

Auburn Hills, MI · Charter 21686

NCUA · 8 branches

Q2 2026

$217.4MAssets
$115.9MLoans
$189.9MShares
$29.7MNet 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 0.27%, down 9 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.75% of loans (-19 bps YoY).
  • Capital: net worth / assets of 13.68%, up 16 bps from a year ago.
  • Funding: loans stand at 61.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.27%-9 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+17 bps YoY

Efficiency Ratio (quarter, annualized)

89.81%+61 bps YoY

Net Worth / Assets

13.68%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.39%0.48%0.17%0.27%-9 bps
Return on Equity2.66%2.83%3.46%1.22%1.95%-70 bps
Net Interest Margin3.93%4.05%4.09%4.02%4.11%+17 bps
Efficiency Ratio89.19%87.92%86.21%92.38%89.81%+61 bps
Growth
Asset Growth (YoY)0.15%0.97%1.58%0.12%1.98%+184 bps
Loan Growth (YoY)-0.07%0.30%2.67%4.19%4.99%+506 bps
Share Growth (YoY)-0.65%0.43%0.25%-0.67%1.68%+233 bps
Asset Quality
Delinquent Loans / Loans0.94%0.37%0.57%0.43%0.75%-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 Capital13.52%13.81%13.99%13.63%13.68%+16 bps
Net Worth / Assets13.52%13.81%13.99%13.63%13.68%+16 bps
Liquidity & Funding
Loans / Shares59.10%60.23%61.87%60.19%61.03%+192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps