Flint, MI · Charter 60666
NCUA · 5 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 | 0.93% | 0.87% | 0.66% | 0.83% | 0.94% | 0.97% | 1.11% | 1.11% | +27 bps | |
| Return on Equity | 5.72% | 5.31% | 4.19% | 5.23% | 5.87% | 6.10% | 6.94% | 6.88% | +165 bps | |
| Net Interest Margin | 2.24% | 2.25% | 2.31% | 2.40% | 2.42% | 2.39% | 2.50% | 2.53% | +14 bps | |
| Efficiency Ratio | 67.12% | 68.27% | 75.30% | 71.01% | 67.89% | 66.55% | 63.65% | 63.57% | -744 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 4.12% | 7.07% | 7.04% | 7.14% | 8.76% | 6.39% | 6.32% | -72 bps | |
| Loan Growth (YoY) | 5.73% | 5.91% | 3.03% | 3.07% | 2.03% | -0.42% | 0.23% | 0.03% | -303 bps | |
| Share Growth (YoY) | -0.30% | 2.46% | 5.03% | 5.22% | 6.21% | 7.12% | 5.47% | 5.67% | +45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.22% | 0.32% | 0.32% | 0.24% | 0.14% | 0.30% | 0.31% | 0 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 | 16.27% | 16.33% | 15.84% | 15.95% | 16.06% | 15.97% | 15.94% | 16.10% | +15 bps | |
| Net Worth / Assets | 16.27% | 16.33% | 15.84% | 15.95% | 16.06% | 15.97% | 15.94% | 16.10% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.12% | 30.42% | 29.17% | 29.10% | 28.94% | 28.27% | 27.72% | 27.55% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |