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 | |