PackageTrendsPeer
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Construction

Bingham Farms, MI · Charter 21798

NCUA · 1 branch

Q2 2026

$26.4MAssets
$17.5MLoans
$22.7MShares
$3.6MNet 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 0.50%, up 46 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 5.71% of loans (+559 bps YoY).
  • Capital: net worth / assets of 13.57%, down 53 bps from a year ago.
  • Funding: loans stand at 77.19% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.50%+46 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+44 bps YoY

Efficiency Ratio (quarter, annualized)

82.28%-1,437 bps YoY

Net Worth / Assets

13.57%-53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.06%0.13%0.31%0.50%+46 bps
Return on Equity0.25%0.40%1.19%2.95%3.65%+340 bps
Net Interest Margin2.62%2.78%2.13%2.55%3.06%+44 bps
Efficiency Ratio96.65%96.66%93.43%83.35%82.28%-1,437 bps
Growth
Asset Growth (YoY)4.17%-3.80%31.15%31.66%7.01%+285 bps
Loan Growth (YoY)-1.56%-2.14%-1.49%-4.56%-5.99%-443 bps
Share Growth (YoY)5.10%-4.43%36.34%36.34%7.67%+257 bps
Asset Quality
Delinquent Loans / Loans0.11%0.10%0.04%0.10%5.71%+559 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 Capital14.11%14.93%11.05%10.50%13.57%-53 bps
Net Worth / Assets14.11%14.93%11.05%10.50%13.57%-53 bps
Liquidity & Funding
Loans / Shares88.41%94.00%65.69%59.08%77.19%-1,122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps