Southfield, MI · Charter 61068
NCUA · 5 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
13
Asset Quality
58
Profitability
62
Liquidity
0
Efficiency
50
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.
Southfield, MI · Charter 61068
NCUA · 5 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 | 0.89% | 0.76% | 0.97% | 0.90% | 0.97% | 0.96% | 0.45% | 0.72% | -18 bps | |
| Return on Equity | 8.95% | 7.63% | 9.97% | 9.14% | 9.52% | 9.41% | 4.56% | 7.12% | -203 bps | |
| Net Interest Margin | 4.04% | 4.05% | 4.13% | 4.29% | 4.41% | 4.40% | 4.32% | 4.42% | +13 bps | |
| Efficiency Ratio | 72.96% | 73.43% | 71.42% | 72.29% | 73.59% | 74.31% | 79.17% | 78.35% | +606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 3.04% | 2.57% | 3.98% | 4.57% | 5.66% | 5.35% | 5.54% | +155 bps | |
| Loan Growth (YoY) | 2.63% | 5.56% | 16.58% | 22.93% | 22.66% | 17.83% | 13.83% | 7.80% | -1,512 bps | |
| Share Growth (YoY) | 1.01% | 2.82% | 1.98% | 3.44% | 4.16% | 4.65% | 4.83% | 5.22% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.23% | 0.85% | 0.78% | 0.68% | 0.56% | 0.58% | 0.57% | -21 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 | 9.90% | 9.94% | 9.70% | 9.83% | 10.17% | 10.26% | 9.91% | 10.06% | +23 bps | |
| Net Worth / Assets | 9.90% | 9.94% | 9.70% | 9.83% | 10.17% | 10.26% | 9.91% | 10.06% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.55% | 77.22% | 79.97% | 84.67% | 87.79% | 86.94% | 86.83% | 86.75% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 99.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Southfield, MI · Charter 61068 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 5 branches
Q2 2026
Return on Assets
0.72%
Rank 21 of 38
Net Interest Margin
4.42%
Rank 6 of 38
Efficiency Ratio
78.35%
Rank 20 of 38
Equity / Assets
10.06%
Rank 33 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.49% | 0.78% | 1.16% | Beats 45% | 21 / 38 | ||
| Return on Equity | 7.12% | 3.91% | 6.52% | 8.43% | Beats 58% | 16 / 38 | ||
| Net Interest Margin | 4.42% | 3.41% | 3.65% | 4.18% | Beats 84% | 6 / 38 | ||
| Efficiency Ratio | 78.35% | 72.88% | 78.35% | 82.40% | Beats 50% | 20 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.36% | 0.84% | 1.47% | Beats 58% | 17 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.06% | 11.22% | 12.45% | 15.29% | Beats 13% | 33 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.06% | 11.22% | 12.45% | 15.29% | Beats 13% | 33 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.75% | 38.40% | 54.78% | 75.62% | 89th pctl | 4 / 38 | ||
| Loans / Assets | 74.07% | 32.99% | 45.72% | 63.66% | 87th pctl | 5 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||