PackageTrendsPeer
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Chief Financial

Rochester Hills, MI · Charter 4271

NCUA · 5 branches

Q2 2026

$249.7MAssets
$185.0MLoans
$223.1MShares
$24.7MNet 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 0.64%, up 51 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.57% of loans (+18 bps YoY).
  • Capital: net worth / assets of 9.89%, down 8 bps from a year ago.
  • Funding: loans stand at 82.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+28 bps YoY

Efficiency Ratio (YTD, annualized)

80.60%-869 bps YoY

Net Worth / Assets

9.89%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.22%0.25%0.47%0.64%+51 bps
Return on Equity1.25%2.24%2.54%4.91%6.44%+519 bps
Net Interest Margin3.11%3.14%3.15%3.23%3.39%+28 bps
Efficiency Ratio89.29%87.39%86.60%80.24%80.60%-869 bps
Growth
Asset Growth (YoY)13.06%18.28%17.94%7.15%4.99%-807 bps
Loan Growth (YoY)12.25%16.00%15.73%17.50%12.97%+72 bps
Share Growth (YoY)14.69%20.70%19.46%7.58%5.06%-962 bps
Asset Quality
Delinquent Loans / Loans0.39%0.49%0.49%0.86%0.57%+18 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 Capital9.97%9.79%9.75%9.58%9.89%-8 bps
Net Worth / Assets9.97%9.79%9.75%9.58%9.89%-8 bps
Liquidity & Funding
Loans / Shares77.10%78.19%79.10%78.96%82.90%+580 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps