Warren, MI · Charter 60428
NCUA · 2 branches
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 | 1.37% | 1.32% | 1.23% | 3.38% | 2.65% | 2.31% | 0.68% | 1.16% | -222 bps | |
| Return on Equity | 8.69% | 8.45% | 8.08% | 20.44% | 15.64% | 13.60% | 3.99% | 6.65% | -1,379 bps | |
| Net Interest Margin | 4.98% | 4.91% | 4.82% | 4.90% | 5.00% | 4.99% | 4.92% | 5.00% | +10 bps | |
| Efficiency Ratio | 69.18% | 69.00% | 72.17% | 54.85% | 59.03% | 60.40% | 73.43% | 73.04% | +1,819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | 1.97% | 4.57% | 7.44% | 7.29% | 5.80% | 3.52% | 3.27% | -417 bps | |
| Loan Growth (YoY) | 7.83% | 4.85% | 1.73% | 0.60% | -1.28% | -1.96% | -1.74% | -1.77% | -237 bps | |
| Share Growth (YoY) | -3.20% | -0.20% | 2.56% | 4.85% | 5.06% | 2.78% | 0.49% | 1.53% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.35% | 0.99% | 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 | 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 | 15.79% | 15.63% | 15.24% | 16.55% | 16.93% | 17.01% | 17.14% | 17.51% | +96 bps | |
| Net Worth / Assets | 15.79% | 15.63% | 15.24% | 16.55% | 16.93% | 17.01% | 17.14% | 17.51% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.75% | 70.11% | 65.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |