Rochester Hills, MI · Charter 4271
NCUA · 5 branches
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 | 0.09% | 0.04% | -0.08% | 0.12% | 0.22% | 0.25% | 0.47% | 0.64% | +51 bps | |
| Return on Equity | 0.74% | 0.35% | -0.81% | 1.25% | 2.24% | 2.54% | 4.91% | 6.44% | +519 bps | |
| Net Interest Margin | 2.88% | 2.92% | 2.97% | 3.11% | 3.14% | 3.15% | 3.23% | 3.39% | +28 bps | |
| Efficiency Ratio | 91.93% | 89.22% | 91.95% | 89.29% | 87.39% | 86.60% | 80.24% | 80.60% | -869 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.51% | -0.98% | 12.53% | 13.06% | 18.28% | 17.94% | 7.15% | 4.99% | -807 bps | |
| Loan Growth (YoY) | 6.54% | 11.31% | 7.47% | 12.25% | 16.00% | 15.73% | 17.50% | 12.97% | +72 bps | |
| Share Growth (YoY) | -5.57% | -0.56% | 14.48% | 14.69% | 20.70% | 19.46% | 7.58% | 5.06% | -962 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.48% | 0.38% | 0.39% | 0.49% | 0.49% | 0.86% | 0.57% | +18 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 | 11.55% | 11.34% | 9.99% | 9.97% | 9.79% | 9.75% | 9.58% | 9.89% | -8 bps | |
| Net Worth / Assets | 11.55% | 11.34% | 9.99% | 9.97% | 9.79% | 9.75% | 9.58% | 9.89% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.36% | 81.65% | 72.29% | 77.10% | 78.19% | 79.10% | 78.96% | 82.90% | +580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |