Romulus, MI · Charter 60683
NCUA · 11 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
29
Asset Quality
42
Profitability
58
Liquidity
26
Efficiency
39
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.
Romulus, MI · Charter 60683
NCUA · 11 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 | 1.02% | 0.58% | 0.11% | 0.61% | 0.72% | 0.65% | 1.04% | 0.93% | +31 bps | |
| Return on Equity | 8.50% | 4.96% | 0.90% | 5.20% | 6.04% | 5.65% | 8.95% | 7.98% | +277 bps | |
| Net Interest Margin | 3.13% | 3.17% | 3.33% | 3.48% | 3.57% | 3.49% | 3.64% | 3.67% | +19 bps | |
| Efficiency Ratio | 74.08% | 77.70% | 92.81% | 85.19% | 83.58% | 82.58% | 78.40% | 80.70% | -450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | 0.95% | -0.57% | 0.99% | 3.80% | 7.79% | 9.06% | 8.84% | +785 bps | |
| Loan Growth (YoY) | 5.27% | 3.96% | 0.55% | 0.42% | 5.35% | 6.73% | 8.30% | 7.71% | +729 bps | |
| Share Growth (YoY) | -1.04% | -1.65% | -2.33% | 0.54% | 4.17% | 6.75% | 6.99% | 5.26% | +472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.09% | 1.50% | 1.35% | 1.19% | 1.33% | 1.01% | 1.03% | -32 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 | 12.02% | 11.76% | 11.74% | 11.79% | 11.92% | 11.53% | 11.61% | 11.61% | -18 bps | |
| Net Worth / Assets | 12.02% | 11.76% | 11.74% | 11.79% | 11.92% | 11.53% | 11.61% | 11.61% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.67% | 78.16% | 75.36% | 74.27% | 78.55% | 78.14% | 76.28% | 76.00% | +173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Romulus, MI · Charter 60683 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 11 branches
Q2 2026
Return on Assets
0.93%
Rank 15 of 38
Net Interest Margin
3.67%
Rank 18 of 38
Efficiency Ratio
80.70%
Rank 24 of 38
Equity / Assets
11.61%
Rank 27 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.49% | 0.78% | 1.16% | Beats 61% | 15 / 38 | ||
| Return on Equity | 7.98% | 3.91% | 6.52% | 8.43% | Beats 63% | 14 / 38 | ||
| Net Interest Margin | 3.67% | 3.41% | 3.65% | 4.18% | Beats 50% | 18 / 38 | ||
| Efficiency Ratio | 80.70% | 72.88% | 78.35% | 82.40% | Beats 39% | 24 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.36% | 0.84% | 1.47% | Beats 42% | 23 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 11.22% | 12.45% | 15.29% | Beats 29% | 27 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.61% | 11.22% | 12.45% | 15.29% | Beats 29% | 27 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.00% | 38.40% | 54.78% | 75.62% | 76th pctl | 9 / 38 | ||
| Loans / Assets | 63.66% | 32.99% | 45.72% | 63.66% | 74th pctl | 10 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||