Romulus, MI · Charter 60683
NCUA · 11 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 | 1.02% | 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 | |