PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Polish-American

Troy, MI · Charter 22280

NCUA · 2 branches

Q2 2026

$195.1MAssets
$127.8MLoans
$169.0MShares
$24.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.23%, up 14 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.37% of loans (-23 bps YoY).
  • Capital: net worth / assets of 12.79%, up 2 bps from a year ago.
  • Funding: loans stand at 75.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+22 bps YoY

Efficiency Ratio (YTD, annualized)

58.60%-605 bps YoY

Net Worth / Assets

12.79%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.21%0.89%1.09%1.17%1.20%1.35%1.23%+14 bps
Return on Equity10.35%9.62%7.06%8.56%8.92%9.22%10.44%9.64%+107 bps
Net Interest Margin3.10%2.94%2.65%2.76%2.86%2.85%3.03%2.98%+22 bps
Efficiency Ratio60.35%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 / Loans1.02%0.98%0.78%1.60%1.91%2.17%1.88%1.37%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.69%12.53%12.59%12.77%13.12%13.01%12.95%12.79%+2 bps
Net Worth / Assets12.69%12.53%12.59%12.77%13.12%13.01%12.95%12.79%+2 bps
Liquidity & Funding
Loans / Shares78.88%76.64%76.83%78.35%81.89%78.80%76.50%75.62%-272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps