Ann Arbor, MI · Charter 61552
NCUA · 15 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 | 1.98% | 1.58% | 0.47% | 0.52% | 0.52% | 0.54% | 0.40% | 0.41% | -11 bps | |
| Return on Equity | 18.24% | 14.67% | 4.42% | 4.83% | 4.78% | 5.01% | 3.70% | 3.68% | -115 bps | |
| Net Interest Margin | 3.72% | 3.71% | 3.79% | 3.88% | 3.99% | 3.97% | 4.01% | 4.09% | +22 bps | |
| Efficiency Ratio | 60.48% | 65.12% | 79.10% | 79.14% | 79.49% | 79.11% | 84.81% | 83.17% | +403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -0.33% | 0.89% | 2.20% | 3.79% | 4.25% | 4.52% | 4.16% | +196 bps | |
| Loan Growth (YoY) | -0.86% | -2.46% | -2.24% | 4.93% | 7.57% | 7.57% | 7.75% | 4.34% | -59 bps | |
| Share Growth (YoY) | -4.52% | -2.33% | 0.35% | 1.74% | 3.93% | 4.67% | 5.11% | 4.99% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.00% | 0.72% | 0.75% | 0.81% | 0.91% | 0.74% | 0.82% | +6 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 | 10.84% | 10.77% | 10.66% | 10.70% | 10.96% | 10.88% | 10.72% | 11.08% | +38 bps | |
| Net Worth / Assets | 10.84% | 10.77% | 10.66% | 10.70% | 10.96% | 10.88% | 10.72% | 11.08% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.90% | 99.88% | 97.24% | 103.94% | 106.51% | 102.65% | 99.68% | 103.30% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |