Auburn Hills, MI · Charter 61698
NCUA · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
95
Profitability
43
Liquidity
38
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Auburn Hills, MI · Charter 61698
NCUA · 9 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 | 0.59% | 0.70% | 1.92% | 1.40% | 1.31% | 1.17% | 0.36% | 0.51% | -90 bps | |
| Return on Equity | 5.45% | 6.26% | 16.72% | 11.97% | 10.78% | 9.58% | 2.98% | 4.24% | -773 bps | |
| Net Interest Margin | 3.32% | 3.52% | 3.93% | 4.06% | 4.19% | 4.22% | 4.14% | 4.18% | +12 bps | |
| Efficiency Ratio | 84.07% | 81.88% | 81.55% | 79.88% | 78.63% | 79.24% | 82.22% | 82.40% | +252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.59% | -9.82% | -4.37% | -3.55% | -1.45% | 1.25% | 2.27% | 3.65% | +720 bps | |
| Loan Growth (YoY) | -5.42% | -8.02% | -6.98% | -0.45% | 3.77% | 9.22% | 9.42% | 3.54% | +398 bps | |
| Share Growth (YoY) | -6.87% | -11.34% | -6.14% | -5.94% | -2.75% | -0.37% | 1.67% | 3.69% | +963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.13% | 0.16% | 0.15% | 0.24% | 0.31% | 0.09% | 0.10% | -4 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 | 10.81% | 11.21% | 11.45% | 11.73% | 12.17% | 12.20% | 11.91% | 11.98% | +25 bps | |
| Net Worth / Assets | 10.81% | 11.21% | 11.45% | 11.73% | 12.17% | 12.20% | 11.91% | 11.98% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.18% | 70.28% | 68.70% | 72.64% | 75.95% | 77.04% | 73.94% | 72.53% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Auburn Hills, MI · Charter 61698 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 9 branches
Q2 2026
Return on Assets
0.51%
Rank 28 of 38
Net Interest Margin
4.18%
Rank 10 of 38
Efficiency Ratio
82.40%
Rank 29 of 38
Equity / Assets
11.98%
Rank 25 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.49% | 0.78% | 1.16% | Beats 26% | 28 / 38 | ||
| Return on Equity | 4.23% | 3.91% | 6.52% | 8.43% | Beats 29% | 27 / 38 | ||
| Net Interest Margin | 4.18% | 3.41% | 3.65% | 4.18% | Beats 74% | 10 / 38 | ||
| Efficiency Ratio | 82.40% | 72.88% | 78.35% | 82.40% | Beats 26% | 29 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.36% | 0.84% | 1.47% | Beats 95% | 3 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 11.22% | 12.45% | 15.29% | Beats 34% | 25 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.98% | 11.22% | 12.45% | 15.29% | Beats 34% | 25 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.53% | 38.40% | 54.78% | 75.62% | 71st pctl | 11 / 38 | ||
| Loans / Assets | 63.33% | 32.99% | 45.72% | 63.66% | 71st pctl | 11 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||