Dearborn, MI · Charter 61844
NCUA · 35 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 | 1.13% | 0.64% | 1.19% | 1.27% | 1.35% | 0.90% | 1.46% | 1.52% | +25 bps | |
| Return on Equity | 8.26% | 4.84% | 9.08% | 9.48% | 9.74% | 7.32% | 11.90% | 12.04% | +257 bps | |
| Net Interest Margin | 2.16% | 1.81% | 2.23% | 2.34% | 2.43% | 2.00% | 2.62% | 2.66% | +32 bps | |
| Efficiency Ratio | 57.48% | 66.54% | 57.89% | 56.27% | 55.17% | 61.78% | 52.08% | 52.82% | -345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.40% | 6.39% | 7.68% | 5.74% | 4.49% | 16.62% | 16.01% | 16.28% | +1,054 bps | |
| Loan Growth (YoY) | 25.05% | 22.96% | 23.62% | 12.97% | 15.65% | 37.19% | 36.36% | 35.09% | +2,212 bps | |
| Share Growth (YoY) | 1.77% | 4.81% | 4.55% | 2.48% | 2.55% | 14.60% | 15.26% | 15.54% | +1,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.26% | 0.23% | 0.20% | 0.42% | 0.44% | 0.37% | 0.63% | +43 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 | 13.66% | 13.29% | 13.10% | 13.44% | 13.89% | 12.29% | 12.26% | 12.63% | -81 bps | |
| Net Worth / Assets | 13.66% | 13.29% | 13.10% | 13.44% | 13.89% | 12.29% | 12.26% | 12.63% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.76% | 35.63% | 35.18% | 36.81% | 39.21% | 42.65% | 41.62% | 43.03% | +623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |