Troy, MI · Charter 22280
NCUA · 2 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 | 1.31% | 1.21% | 0.89% | 1.09% | 1.17% | 1.20% | 1.35% | 1.23% | +14 bps | |
| Return on Equity | 10.35% | 9.62% | 7.06% | 8.56% | 8.92% | 9.22% | 10.44% | 9.64% | +107 bps | |
| Net Interest Margin | 3.10% | 2.94% | 2.65% | 2.76% | 2.86% | 2.85% | 3.03% | 2.98% | +22 bps | |
| Efficiency Ratio | 60.35% | 62.00% | 70.03% | 64.65% | 63.27% | 61.99% | 59.66% | 58.60% | -605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 2.71% | 3.81% | 6.05% | 5.79% | 6.09% | 7.94% | 10.61% | +457 bps | |
| Loan Growth (YoY) | 11.66% | 9.44% | 9.42% | 9.24% | 9.04% | 8.34% | 6.88% | 6.91% | -233 bps | |
| Share Growth (YoY) | -0.82% | 1.59% | 2.88% | 5.22% | 5.03% | 5.37% | 7.34% | 10.76% | +554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.98% | 0.78% | 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 | 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 | 12.69% | 12.53% | 12.59% | 12.77% | 13.12% | 13.01% | 12.95% | 12.79% | +2 bps | |
| Net Worth / Assets | 12.69% | 12.53% | 12.59% | 12.77% | 13.12% | 13.01% | 12.95% | 12.79% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.88% | 76.64% | 76.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |