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Freestar Financial

Mount Clemens, MI · Charter 60406

NCUA · 8 branches

Q2 2026

$350.0MAssets
$214.7MLoans
$312.5MShares
$33.7MNet 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 0.45%, up 7 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.17% of loans (+12 bps YoY).
  • Capital: net worth / assets of 9.63%, down 5 bps from a year ago.
  • Funding: loans stand at 68.71% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.45%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+8 bps YoY

Efficiency Ratio (quarter, annualized)

84.73%-33 bps YoY

Net Worth / Assets

9.63%-5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.27%0.27%0.29%0.45%+7 bps
Return on Equity3.97%2.65%2.76%3.04%4.71%+74 bps
Net Interest Margin3.33%3.55%3.45%3.35%3.41%+8 bps
Efficiency Ratio85.06%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 / Loans1.05%1.34%0.93%0.82%1.17%+12 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 Capital9.68%10.03%9.70%9.44%9.63%-5 bps
Net Worth / Assets9.68%10.03%9.70%9.44%9.63%-5 bps
Liquidity & Funding
Loans / Shares70.93%72.20%70.00%67.67%68.71%-222 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps