Westland, MI · Charter 5928
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |