Mount Clemens, MI · Charter 60406
NCUA · 8 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
3
Asset Quality
37
Profitability
25
Liquidity
50
Efficiency
18
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.
Mount Clemens, MI · Charter 60406
NCUA · 8 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 | 0.38% | 0.27% | 0.27% | 0.29% | 0.45% | +7 bps | |
| Return on Equity | 3.97% | 2.65% | 2.76% | 3.04% | 4.71% | +74 bps | |
| Net Interest Margin | 3.33% | 3.55% | 3.45% | 3.35% | 3.41% | +8 bps | |
| Efficiency Ratio | 85.06% | 87.88% | 86.86% | 85.34% | 84.73% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.79% | 1.20% | 3.10% | 3.07% | 3.74% | -205 bps | |
| Loan Growth (YoY) | -0.79% | -5.23% | -2.09% | 1.04% | 1.65% | +244 bps | |
| Share Growth (YoY) | 5.72% | 1.64% | 3.36% | 3.44% | 4.94% | -79 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 1.34% | 0.93% | 0.82% | 1.17% | +12 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 | 9.68% | 10.03% | 9.70% | 9.44% | 9.63% | -5 bps | |
| Net Worth / Assets | 9.68% | 10.03% | 9.70% | 9.44% | 9.63% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.93% | 72.20% | 70.00% | 67.67% | 68.71% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mount Clemens, MI · Charter 60406 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 8 branches
Q2 2026
Return on Assets
0.45%
Rank 31 of 38
Net Interest Margin
3.41%
Rank 29 of 38
Efficiency Ratio
84.74%
Rank 32 of 38
Equity / Assets
9.63%
Rank 37 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.49% | 0.78% | 1.16% | Beats 18% | 31 / 38 | |
| Return on Equity | 4.71% | 3.91% | 6.52% | 8.43% | Beats 34% | 25 / 38 | |
| Net Interest Margin | 3.41% | 3.41% | 3.65% | 4.18% | Beats 24% | 29 / 38 | |
| Efficiency Ratio | 84.74% | 72.88% | 78.35% | 82.40% | Beats 18% | 32 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 0.36% | 0.84% | 1.47% | Beats 37% | 25 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.63% | 11.22% | 12.45% | 15.29% | Beats 3% | 37 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.63% | 11.22% | 12.45% | 15.29% | Beats 3% | 37 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.71% | 38.40% | 54.78% | 75.62% | 66th pctl | 13 / 38 | |
| Loans / Assets | 61.34% | 32.99% | 45.72% | 63.66% | 68th pctl | 12 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||