Auburn Hills, MI · Charter 21686
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.37% | 0.25% | 0.36% | 0.39% | 0.48% | 0.17% | 0.27% | -9 bps | |
| Return on Equity | 1.97% | 2.69% | 1.88% | 2.66% | 2.83% | 3.46% | 1.22% | 1.95% | -70 bps | |
| Net Interest Margin | 3.96% | 3.98% | 3.80% | 3.93% | 4.05% | 4.09% | 4.02% | 4.11% | +17 bps | |
| Efficiency Ratio | 91.46% | 89.67% | 90.58% | 89.19% | 87.92% | 86.21% | 92.38% | 89.81% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.69% | -3.03% | -1.54% | 0.15% | 0.97% | 1.58% | 0.12% | 1.98% | +184 bps | |
| Loan Growth (YoY) | 0.11% | -0.05% | -0.53% | -0.07% | 0.30% | 2.67% | 4.19% | 4.99% | +506 bps | |
| Share Growth (YoY) | -6.36% | -3.64% | -2.46% | -0.65% | 0.43% | 0.25% | -0.67% | 1.68% | +233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.88% | 0.71% | 0.94% | 0.37% | 0.57% | 0.43% | 0.75% | -19 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 | 13.48% | 13.72% | 13.19% | 13.52% | 13.81% | 13.99% | 13.63% | 13.68% | +16 bps | |
| Net Worth / Assets | 13.48% | 13.72% | 13.19% | 13.52% | 13.81% | 13.99% | 13.63% | 13.68% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.31% | 60.41% | 57.37% | 59.10% | 60.23% | 61.87% | 60.19% | 61.03% | +192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |