Livonia, MI · Charter 5554
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
84
Asset Quality
45
Profitability
39
Liquidity
59
Efficiency
55
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.
Livonia, MI · Charter 5554
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 | 1.68% | 1.02% | 1.03% | 2.69% | 0.80% | -88 bps | |
| Return on Equity | 11.16% | 6.52% | 6.46% | 16.46% | 4.85% | -631 bps | |
| Net Interest Margin | 3.73% | 3.70% | 3.57% | 3.43% | 3.44% | -29 bps | |
| Efficiency Ratio | 63.45% | 69.63% | 67.70% | 25.16% | 77.80% | +1,435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.51% | -4.66% | -1.01% | -0.90% | -0.60% | +391 bps | |
| Loan Growth (YoY) | -1.52% | -3.86% | -6.23% | -7.90% | -8.86% | -733 bps | |
| Share Growth (YoY) | -7.10% | -5.85% | -2.13% | -1.80% | -1.92% | +518 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 1.83% | 0.98% | 1.87% | 1.01% | +31 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 | 15.09% | 15.70% | 15.99% | 16.35% | 16.57% | +149 bps | |
| Net Worth / Assets | 15.09% | 15.70% | 15.99% | 16.35% | 16.57% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.47% | 46.28% | 44.56% | 42.67% | 42.26% | -321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Livonia, MI · Charter 5554 · 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
0.80%
Rank 18 of 38
Net Interest Margin
3.44%
Rank 28 of 38
Efficiency Ratio
77.75%
Rank 18 of 38
Equity / Assets
16.57%
Rank 6 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.49% | 0.78% | 1.16% | Beats 53% | 18 / 38 | |
| Return on Equity | 4.84% | 3.91% | 6.52% | 8.43% | Beats 37% | 24 / 38 | |
| Net Interest Margin | 3.44% | 3.41% | 3.65% | 4.18% | Beats 26% | 28 / 38 | |
| Efficiency Ratio | 77.75% | 72.88% | 78.35% | 82.40% | Beats 55% | 18 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.01% | 0.36% | 0.84% | 1.47% | Beats 45% | 22 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.57% | 11.22% | 12.45% | 15.29% | Beats 84% | 6 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.57% | 11.22% | 12.45% | 15.29% | Beats 84% | 6 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.26% | 38.40% | 54.78% | 75.62% | 29th pctl | 27 / 38 | |
| Loans / Assets | 35.15% | 32.99% | 45.72% | 63.66% | 29th pctl | 27 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||