Mount Clemens, MI · Charter 60406
NCUA · 8 branches
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 | 0.31% | 0.46% | 0.30% | 0.38% | 0.27% | 0.27% | 0.29% | 0.45% | +7 bps | |
| Return on Equity | 3.20% | 4.69% | 3.21% | 3.97% | 2.65% | 2.76% | 3.04% | 4.71% | +74 bps | |
| Net Interest Margin | 3.30% | 3.17% | 3.16% | 3.33% | 3.55% | 3.45% | 3.35% | 3.41% | +8 bps | |
| Efficiency Ratio | 87.32% | 83.49% | 88.30% | 85.06% | 87.88% | 86.86% | 85.34% | 84.73% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 2.39% | 3.64% | 5.79% | 1.20% | 3.10% | 3.07% | 3.74% | -205 bps | |
| Loan Growth (YoY) | 3.15% | 1.42% | -0.56% | -0.79% | -5.23% | -2.09% | 1.04% | 1.65% | +244 bps | |
| Share Growth (YoY) | -1.05% | 2.11% | 3.87% | 5.72% | 1.64% | 3.36% | 3.44% | 4.94% | -79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.83% | 0.82% | 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 | 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 | 9.72% | 9.73% | 9.46% | 9.68% | 10.03% | 9.70% | 9.44% | 9.63% | -5 bps | |
| Net Worth / Assets | 9.72% | 9.73% | 9.46% | 9.68% | 10.03% | 9.70% | 9.44% | 9.63% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.43% | 73.90% | 69.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |