Lathrup Village, MI · Charter 60522
NCUA · 33 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
21
Profitability
46
Liquidity
35
Efficiency
10
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.
Lathrup Village, MI · Charter 60522
NCUA · 33 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 | 1.20% | 1.15% | 0.67% | 0.70% | 0.82% | 0.72% | 0.76% | 0.59% | -11 bps | |
| Return on Equity | 8.08% | 7.67% | 4.56% | 4.72% | 5.18% | 4.62% | 4.89% | 3.72% | -100 bps | |
| Net Interest Margin | 4.11% | 4.11% | 4.06% | 4.16% | 4.40% | 4.37% | 4.29% | 4.38% | +22 bps | |
| Efficiency Ratio | 75.26% | 75.69% | 82.74% | 81.41% | 80.57% | 81.00% | 80.42% | 82.67% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | -2.54% | 0.48% | 2.98% | -0.41% | 0.55% | -1.17% | -1.70% | -467 bps | |
| Loan Growth (YoY) | -4.01% | -2.37% | -0.70% | 1.23% | 1.14% | 1.70% | 1.57% | 1.96% | +73 bps | |
| Share Growth (YoY) | 0.09% | 1.15% | 1.34% | 1.61% | -0.08% | 0.86% | -0.20% | 0.72% | -88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.05% | 0.99% | 1.01% | 1.12% | 1.10% | 1.03% | 1.14% | +13 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 | 14.80% | 15.01% | 14.66% | 14.89% | 15.80% | 15.65% | 15.57% | 15.80% | +91 bps | |
| Net Worth / Assets | 14.80% | 15.01% | 14.66% | 14.89% | 15.80% | 15.65% | 15.57% | 15.80% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.97% | 98.56% | 94.02% | 96.24% | 101.20% | 99.38% | 95.69% | 97.42% | +118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lathrup Village, MI · Charter 60522 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 33 branches
Q2 2026
Return on Assets
0.59%
Rank 313 of 435
Net Interest Margin
4.38%
Rank 20 of 435
Efficiency Ratio
82.67%
Rank 391 of 435
Equity / Assets
15.80%
Rank 24 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 28% | 313 / 435 | ||
| Return on Equity | 3.72% | 5.12% | 7.41% | 9.70% | Beats 16% | 365 / 435 | ||
| Net Interest Margin | 4.38% | 3.01% | 3.39% | 3.75% | Beats 95% | 20 / 435 | ||
| Efficiency Ratio | 82.67% | 65.25% | 71.39% | 77.86% | Beats 10% | 391 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.45% | 0.69% | 1.05% | Beats 21% | 346 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.80% | 9.81% | 10.84% | 12.63% | Beats 94% | 24 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.80% | 9.81% | 10.84% | 12.63% | Beats 94% | 24 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.42% | 78.33% | 88.38% | 95.61% | 79th pctl | 91 / 435 | ||
| Loans / Assets | 72.26% | 67.69% | 74.58% | 80.80% | 39th pctl | 264 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||