PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Michigan Columbus

Livonia, MI · Charter 5554

NCUA · 2 branches

Q2 2026

$75.0MAssets
$26.4MLoans
$62.4MShares
$12.4MNet 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 0.80%, down 88 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.01% of loans (+31 bps YoY).
  • Capital: net worth / assets of 16.57%, up 149 bps from a year ago.
  • Funding: loans stand at 42.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%-88 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-29 bps YoY

Efficiency Ratio (YTD, annualized)

77.80%+1,435 bps YoY

Net Worth / Assets

16.57%+149 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.02%1.03%2.69%0.80%-88 bps
Return on Equity11.16%6.52%6.46%16.46%4.85%-631 bps
Net Interest Margin3.73%3.70%3.57%3.43%3.44%-29 bps
Efficiency Ratio63.45%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 / Loans0.70%1.83%0.98%1.87%1.01%+31 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 Capital15.09%15.70%15.99%16.35%16.57%+149 bps
Net Worth / Assets15.09%15.70%15.99%16.35%16.57%+149 bps
Liquidity & Funding
Loans / Shares45.47%46.28%44.56%42.67%42.26%-321 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps