Novi, MI · Charter 61522
NCUA · 16 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.37% | 0.40% | 0.58% | 0.57% | +30 bps | |
| Return on Equity | 2.66% | 3.51% | 3.41% | 5.64% | 5.45% | +278 bps | |
| Net Interest Margin | 2.99% | 3.09% | 3.51% | 3.24% | 3.31% | +32 bps | |
| Efficiency Ratio | 83.94% | 83.42% | 83.62% | 77.34% | 79.58% | -437 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.15% | 6.47% | 3.55% | 2.77% | 2.89% | -426 bps | |
| Loan Growth (YoY) | 4.59% | 5.04% | 4.98% | 3.70% | 4.39% | -21 bps | |
| Share Growth (YoY) | 4.71% | 3.99% | 2.16% | 2.37% | 2.52% | -219 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 0.99% | 0.98% | 0.90% | 1.08% | +5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.29% | 10.50% | 11.78% | 10.35% | 10.46% | +17 bps | |
| Net Worth / Assets | 10.29% | 10.50% | 11.78% | 10.35% | 10.46% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.41% | 77.40% | 77.16% | 74.76% | 76.78% | +137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |