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 | |