Westland, MI · Charter 5928
NCUA · 1 branch
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
26
Asset Quality
68
Profitability
81
Liquidity
89
Efficiency
89
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.
Westland, MI · Charter 5928
NCUA · 1 branch
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 | 0.87% | 0.86% | 0.87% | 1.13% | 1.16% | 1.05% | 0.94% | 1.81% | +69 bps | |
| Return on Equity | 8.40% | 8.12% | 8.46% | 10.67% | 10.75% | 9.75% | 8.81% | 16.08% | +541 bps | |
| Net Interest Margin | 3.36% | 3.40% | 3.49% | 3.57% | 3.64% | 3.61% | 3.55% | 3.70% | +13 bps | |
| Efficiency Ratio | 76.87% | 77.05% | 75.77% | 72.73% | 72.42% | 74.37% | 77.08% | 65.72% | -701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | 0.20% | 1.21% | 2.12% | 5.86% | 7.61% | 6.64% | 6.28% | +417 bps | |
| Loan Growth (YoY) | 1.51% | 2.30% | -1.94% | -0.06% | 2.81% | 1.71% | 5.11% | -1.04% | -98 bps | |
| Share Growth (YoY) | -1.74% | -0.89% | -0.35% | 0.59% | 4.47% | 5.45% | 5.32% | 4.84% | +425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.88% | 0.97% | 0.72% | 0.79% | 0.72% | 0.71% | 0.47% | -25 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 | 10.40% | 10.57% | 10.33% | 10.55% | 10.84% | 10.81% | 10.69% | 11.26% | +71 bps | |
| Net Worth / Assets | 10.40% | 10.57% | 10.33% | 10.55% | 10.84% | 10.81% | 10.69% | 11.26% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.10% | 55.71% | 51.30% | 53.39% | 55.21% | 53.73% | 51.20% | 50.40% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Westland, MI · Charter 5928 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
Return on Assets
1.81%
Rank 4 of 38
Net Interest Margin
3.70%
Rank 16 of 38
Efficiency Ratio
65.72%
Rank 5 of 38
Equity / Assets
11.26%
Rank 28 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.49% | 0.78% | 1.16% | Beats 89% | 4 / 38 | ||
| Return on Equity | 16.08% | 3.91% | 6.52% | 8.43% | Beats 97% | 1 / 38 | ||
| Net Interest Margin | 3.70% | 3.41% | 3.65% | 4.18% | Beats 58% | 16 / 38 | ||
| Efficiency Ratio | 65.72% | 72.88% | 78.35% | 82.40% | Beats 89% | 5 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.36% | 0.84% | 1.47% | Beats 68% | 13 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.26% | 11.22% | 12.45% | 15.29% | Beats 26% | 28 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.26% | 11.22% | 12.45% | 15.29% | Beats 26% | 28 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.40% | 38.40% | 54.78% | 75.62% | 45th pctl | 21 / 38 | ||
| Loans / Assets | 45.72% | 32.99% | 45.72% | 63.66% | 50th pctl | 19 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||