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 | |