PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

One Detroit

Detroit, MI · Charter 61495

NCUA · 4 branches

Q2 2026

$61.8MAssets
$37.7MLoans
$46.0MShares
$13.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.61%, up 60 bps year over year; NIM at 6.67%.
  • Asset quality: problem loans at 1.98% of loans (-109 bps YoY).
  • Capital: net worth / assets of 22.42%, down 104 bps from a year ago.
  • Funding: loans stand at 82.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.61%+60 bps YoY

Net Interest Margin (quarter, annualized)

6.67%+64 bps YoY

Efficiency Ratio (quarter, annualized)

99.87%-670 bps YoY

Net Worth / Assets

22.42%-104 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.21%-2.54%-2.38%-1.46%-1.61%+60 bps
Return on Equity-9.42%-10.77%-10.46%-6.71%-7.20%+222 bps
Net Interest Margin6.03%6.30%6.26%6.19%6.67%+64 bps
Efficiency Ratio106.56%106.33%105.62%98.14%99.87%-670 bps
Growth
Asset Growth (YoY)0.49%-2.88%-1.45%-1.45%-4.54%-503 bps
Loan Growth (YoY)2.68%0.73%1.54%1.20%5.78%+310 bps
Share Growth (YoY)0.13%-1.28%1.19%-0.19%-5.08%-521 bps
Asset Quality
Delinquent Loans / Loans3.08%2.63%2.54%1.94%1.98%-109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.46%23.56%22.73%21.70%22.42%-104 bps
Net Worth / Assets23.46%23.56%22.73%21.70%22.42%-104 bps
Liquidity & Funding
Loans / Shares73.66%77.71%77.07%73.14%82.08%+843 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps