Farmington Hill, MI · Charter 61759
NCUA · 13 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 | 2.11% | 1.63% | 0.21% | 0.15% | 0.21% | 0.37% | 1.66% | 0.99% | +85 bps | |
| Return on Equity | 16.23% | 12.52% | 1.61% | 1.14% | 1.69% | 2.98% | 13.26% | 8.01% | +687 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.19% | 3.33% | 3.49% | 3.46% | 3.55% | 3.62% | +29 bps | |
| Efficiency Ratio | 62.81% | 67.84% | 89.45% | 90.61% | 88.82% | 85.92% | 70.87% | 78.97% | -1,164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.81% | -1.67% | 1.95% | 3.23% | 4.33% | 7.18% | 11.30% | 11.49% | +826 bps | |
| Loan Growth (YoY) | 11.03% | 14.44% | 13.56% | 20.83% | 24.07% | 27.54% | 31.53% | 29.69% | +886 bps | |
| Share Growth (YoY) | -5.63% | -2.99% | -0.92% | 0.63% | 3.95% | 6.16% | 9.95% | 10.47% | +984 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.70% | 0.44% | 0.32% | 0.28% | 0.36% | 0.31% | 0.36% | +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 | 13.00% | 13.04% | 12.92% | 12.76% | 12.63% | 12.51% | 12.49% | 12.39% | -37 bps | |
| Net Worth / Assets | 13.00% | 13.04% | 12.92% | 12.76% | 12.63% | 12.51% | 12.49% | 12.39% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.54% | 59.41% | 60.10% | 65.81% | 69.87% | 71.37% | 71.89% | 77.26% | +1,145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |