Monroe, MI · Charter 61748
NCUA · 6 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 | 1.24% | 1.38% | 1.51% | 1.44% | 1.48% | +23 bps | |
| Return on Equity | 12.13% | 12.76% | 13.64% | 12.95% | 12.93% | +81 bps | |
| Net Interest Margin | 3.47% | 3.63% | 3.64% | 3.78% | 3.91% | +44 bps | |
| Efficiency Ratio | 71.13% | 70.32% | 68.53% | 69.64% | 69.44% | -169 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 6.53% | 7.63% | 5.40% | 4.19% | -454 bps | |
| Loan Growth (YoY) | 4.92% | 4.78% | 6.95% | 9.75% | 12.94% | +803 bps | |
| Share Growth (YoY) | 6.87% | 4.59% | 5.30% | 3.72% | 2.41% | -446 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.21% | 0.18% | 0.18% | 0.20% | -4 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 | 10.25% | 10.79% | 11.05% | 11.10% | 11.43% | +118 bps | |
| Net Worth / Assets | 10.25% | 10.79% | 11.05% | 11.10% | 11.43% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.54% | 73.82% | 74.28% | 73.64% | 77.79% | +725 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |