Farmington, MI · Charter 61404
NCUA · 6 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 | 0.78% | 0.85% | 0.84% | 0.89% | 0.88% | 0.91% | 1.05% | 1.00% | +11 bps | |
| Return on Equity | 8.28% | 8.85% | 8.78% | 9.13% | 8.93% | 9.02% | 10.53% | 9.87% | +75 bps | |
| Net Interest Margin | 3.31% | 3.33% | 3.46% | 3.51% | 3.55% | 3.55% | 3.56% | 3.62% | +11 bps | |
| Efficiency Ratio | 79.53% | 78.64% | 81.32% | 79.51% | 79.56% | 78.86% | 76.26% | 76.77% | -274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.08% | 2.53% | 3.69% | 3.15% | 4.08% | 4.73% | 5.57% | 5.23% | +209 bps | |
| Loan Growth (YoY) | 1.80% | 2.06% | 2.81% | 3.35% | 0.46% | -0.58% | -1.44% | -3.04% | -638 bps | |
| Share Growth (YoY) | -0.17% | 1.18% | 1.87% | 1.55% | 3.02% | 3.39% | 5.04% | 4.83% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.35% | 0.29% | 0.56% | 0.49% | 0.48% | 0.17% | 0.36% | -20 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 | 9.37% | 9.61% | 9.57% | 9.74% | 9.88% | 10.03% | 9.96% | 10.16% | +42 bps | |
| Net Worth / Assets | 9.37% | 9.61% | 9.57% | 9.74% | 9.88% | 10.03% | 9.96% | 10.16% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.96% | 63.15% | 61.52% | 62.00% | 61.39% | 60.72% | 57.73% | 57.35% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |