Bingham Farms, MI · Charter 21798
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
3
Profitability
19
Liquidity
22
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bingham Farms, MI · Charter 21798
NCUA · 1 branch
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 | 0.22% | 0.08% | 0.00% | 0.04% | 0.06% | 0.13% | 0.31% | 0.50% | +46 bps | |
| Return on Equity | 1.52% | 0.53% | 0.02% | 0.25% | 0.40% | 1.19% | 2.95% | 3.65% | +340 bps | |
| Net Interest Margin | 2.78% | 2.73% | 2.40% | 2.62% | 2.78% | 2.13% | 2.55% | 3.06% | +44 bps | |
| Efficiency Ratio | 92.81% | 96.11% | 99.92% | 96.65% | 96.66% | 93.43% | 83.35% | 82.28% | -1,437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.21% | -3.16% | -7.26% | 4.17% | -3.80% | 31.15% | 31.66% | 7.01% | +285 bps | |
| Loan Growth (YoY) | -1.22% | -1.14% | -1.43% | -1.56% | -2.14% | -1.49% | -4.56% | -5.99% | -443 bps | |
| Share Growth (YoY) | -8.46% | -3.73% | -8.18% | 5.10% | -4.43% | 36.34% | 36.34% | 7.67% | +257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.46% | 0.17% | 0.11% | 0.10% | 0.04% | 0.10% | 5.71% | +559 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 | 14.46% | 14.37% | 13.61% | 14.11% | 14.93% | 11.05% | 10.50% | 13.57% | -53 bps | |
| Net Worth / Assets | 14.46% | 14.37% | 13.61% | 14.11% | 14.93% | 11.05% | 10.50% | 13.57% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.80% | 90.92% | 84.39% | 88.41% | 94.00% | 65.69% | 59.08% | 77.19% | -1,122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bingham Farms, MI · Charter 21798 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
Return on Assets
0.49%
Rank 29 of 38
Net Interest Margin
3.06%
Rank 33 of 38
Efficiency Ratio
82.09%
Rank 28 of 38
Equity / Assets
13.57%
Rank 16 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.49% | 0.78% | 1.16% | Beats 24% | 29 / 38 | ||
| Return on Equity | 3.63% | 3.91% | 6.52% | 8.43% | Beats 21% | 30 / 38 | ||
| Net Interest Margin | 3.06% | 3.41% | 3.65% | 4.18% | Beats 13% | 33 / 38 | ||
| Efficiency Ratio | 82.09% | 72.88% | 78.35% | 82.40% | Beats 29% | 28 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.71% | 0.36% | 0.84% | 1.47% | Beats 3% | 38 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.57% | 11.22% | 12.45% | 15.29% | Beats 58% | 16 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.57% | 11.22% | 12.45% | 15.29% | Beats 58% | 16 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.20% | 38.40% | 54.78% | 75.62% | 79th pctl | 8 / 38 | ||
| Loans / Assets | 66.56% | 32.99% | 45.72% | 63.66% | 82nd pctl | 7 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||