PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Public Service

Romulus, MI · Charter 60683

NCUA · 11 branches

Q2 2026

$467.6MAssets
$297.7MLoans
$391.7MShares
$54.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, up 31 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.03% of loans (-32 bps YoY).
  • Capital: net worth / assets of 11.61%, down 18 bps from a year ago.
  • Funding: loans stand at 76.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.93%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+19 bps YoY

Efficiency Ratio (YTD, annualized)

80.70%-450 bps YoY

Net Worth / Assets

11.61%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.58%0.11%0.61%0.72%0.65%1.04%0.93%+31 bps
Return on Equity8.50%4.96%0.90%5.20%6.04%5.65%8.95%7.98%+277 bps
Net Interest Margin3.13%3.17%3.33%3.48%3.57%3.49%3.64%3.67%+19 bps
Efficiency Ratio74.08%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 / Loans2.06%2.09%1.50%1.35%1.19%1.33%1.01%1.03%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.02%11.76%11.74%11.79%11.92%11.53%11.61%11.61%-18 bps
Net Worth / Assets12.02%11.76%11.74%11.79%11.92%11.53%11.61%11.61%-18 bps
Liquidity & Funding
Loans / Shares77.67%78.16%75.36%74.27%78.55%78.14%76.28%76.00%+173 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps