Troy, MI · Charter 22280
NCUA · 2 branches
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
53
Asset Quality
29
Profitability
56
Liquidity
28
Efficiency
97
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.
Troy, MI · Charter 22280
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.17% | 1.20% | 1.35% | 1.23% | +14 bps | |
| Return on Equity | 8.56% | 8.92% | 9.22% | 10.44% | 9.64% | +107 bps | |
| Net Interest Margin | 2.76% | 2.86% | 2.85% | 3.03% | 2.98% | +22 bps | |
| Efficiency Ratio | 64.65% | 63.27% | 61.99% | 59.66% | 58.60% | -605 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.05% | 5.79% | 6.09% | 7.94% | 10.61% | +457 bps | |
| Loan Growth (YoY) | 9.24% | 9.04% | 8.34% | 6.88% | 6.91% | -233 bps | |
| Share Growth (YoY) | 5.22% | 5.03% | 5.37% | 7.34% | 10.76% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.91% | 2.17% | 1.88% | 1.37% | -23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.77% | 13.12% | 13.01% | 12.95% | 12.79% | +2 bps | |
| Net Worth / Assets | 12.77% | 13.12% | 13.01% | 12.95% | 12.79% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.35% | 81.89% | 78.80% | 76.50% | 75.62% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Troy, MI · Charter 22280 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
Return on Assets
1.23%
Rank 8 of 38
Net Interest Margin
2.98%
Rank 35 of 38
Efficiency Ratio
58.61%
Rank 2 of 38
Equity / Assets
12.79%
Rank 18 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.49% | 0.78% | 1.16% | Beats 79% | 8 / 38 | |
| Return on Equity | 9.64% | 3.91% | 6.52% | 8.43% | Beats 82% | 7 / 38 | |
| Net Interest Margin | 2.98% | 3.41% | 3.65% | 4.18% | Beats 8% | 35 / 38 | |
| Efficiency Ratio | 58.61% | 72.88% | 78.35% | 82.40% | Beats 97% | 2 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.37% | 0.36% | 0.84% | 1.47% | Beats 29% | 28 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.79% | 11.22% | 12.45% | 15.29% | Beats 53% | 18 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.79% | 11.22% | 12.45% | 15.29% | Beats 53% | 18 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.62% | 38.40% | 54.78% | 75.62% | 74th pctl | 10 / 38 | |
| Loans / Assets | 65.52% | 32.99% | 45.72% | 63.66% | 79th pctl | 8 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||