Warren, MI · Charter 60428
NCUA · 2 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
87
Asset Quality
18
Profitability
74
Liquidity
64
Efficiency
74
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.
Warren, MI · Charter 60428
NCUA · 2 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 | 3.38% | 2.65% | 2.31% | 0.68% | 1.16% | -222 bps | |
| Return on Equity | 20.44% | 15.64% | 13.60% | 3.99% | 6.65% | -1,379 bps | |
| Net Interest Margin | 4.90% | 5.00% | 4.99% | 4.92% | 5.00% | +10 bps | |
| Efficiency Ratio | 54.85% | 59.03% | 60.40% | 73.43% | 73.04% | +1,819 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.44% | 7.29% | 5.80% | 3.52% | 3.27% | -417 bps | |
| Loan Growth (YoY) | 0.60% | -1.28% | -1.96% | -1.74% | -1.77% | -237 bps | |
| Share Growth (YoY) | 4.85% | 5.06% | 2.78% | 0.49% | 1.53% | -332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.37% | 1.38% | 1.40% | 1.56% | +22 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 | 16.55% | 16.93% | 17.01% | 17.14% | 17.51% | +96 bps | |
| Net Worth / Assets | 16.55% | 16.93% | 17.01% | 17.14% | 17.51% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.57% | 67.42% | 66.88% | 64.32% | 64.41% | -216 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warren, MI · Charter 60428 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 9 of 38
Net Interest Margin
5.00%
Rank 3 of 38
Efficiency Ratio
73.05%
Rank 11 of 38
Equity / Assets
17.51%
Rank 5 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.49% | 0.78% | 1.16% | Beats 76% | 9 / 38 | |
| Return on Equity | 6.65% | 3.91% | 6.52% | 8.43% | Beats 55% | 17 / 38 | |
| Net Interest Margin | 5.00% | 3.41% | 3.65% | 4.18% | Beats 92% | 3 / 38 | |
| Efficiency Ratio | 73.05% | 72.88% | 78.35% | 82.40% | Beats 74% | 11 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.56% | 0.36% | 0.84% | 1.47% | Beats 18% | 32 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.51% | 11.22% | 12.45% | 15.29% | Beats 87% | 5 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.51% | 11.22% | 12.45% | 15.29% | Beats 87% | 5 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.41% | 38.40% | 54.78% | 75.62% | 61st pctl | 15 / 38 | |
| Loans / Assets | 53.16% | 32.99% | 45.72% | 63.66% | 61st pctl | 15 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||