Detroit, MI · Charter 61495
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.07% | -2.02% | -2.21% | -2.54% | -2.38% | -1.46% | -1.61% | +60 bps | |
| Return on Equity | 2.59% | 0.29% | -8.58% | -9.42% | -10.77% | -10.46% | -6.71% | -7.20% | +222 bps | |
| Net Interest Margin | 6.26% | 6.32% | 5.89% | 6.03% | 6.30% | 6.26% | 6.19% | 6.67% | +64 bps | |
| Efficiency Ratio | 79.21% | 82.41% | 102.82% | 106.56% | 106.33% | 105.62% | 98.14% | 99.87% | -670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.84% | 7.09% | 5.03% | 0.49% | -2.88% | -1.45% | -1.45% | -4.54% | -503 bps | |
| Loan Growth (YoY) | 6.88% | 4.38% | 3.78% | 2.68% | 0.73% | 1.54% | 1.20% | 5.78% | +310 bps | |
| Share Growth (YoY) | 4.60% | 6.65% | 4.71% | 0.13% | -1.28% | 1.19% | -0.19% | -5.08% | -521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 3.27% | 2.73% | 3.08% | 2.63% | 2.54% | 1.94% | 1.98% | -109 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 | 25.22% | 24.81% | 23.58% | 23.46% | 23.56% | 22.73% | 21.70% | 22.42% | -104 bps | |
| Net Worth / Assets | 25.22% | 24.81% | 23.58% | 23.46% | 23.56% | 22.73% | 21.70% | 22.42% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.16% | 76.81% | 72.14% | 73.66% | 77.71% | 77.07% | 73.14% | 82.08% | +843 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |