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T&I

Clawson, MI · Charter 61879

NCUA · 2 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=43). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q1 2025peer median (50)

Asset Quality

86

Q2 2024Q1 2025peer median (50)

Profitability

0

Q2 2024Q1 2025peer median (50)

Liquidity

82

Q2 2024Q1 2025peer median

Efficiency

19

Q2 2024Q4 2024peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

T&I

Clawson, MI · Charter 61879

NCUA · 2 branches

Q1 2025

$92.8MAssets
$48.9MLoans
$79.1MShares
$13.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -13.09%, down 1,298 bps year over year; NIM at -9.94%.
  • Asset quality: problem loans at 0.20% of loans (-36 bps YoY).
  • Capital: net worth / assets of 14.29%, down 389 bps from a year ago.
  • Funding: loans stand at 61.75% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-13.09%-1,298 bps YoY

Net Interest Margin (YTD, annualized)

-9.94%-1,271 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.29%-389 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.11%0.12%0.25%0.18%-13.09%-1,298 bps
Return on Equity-0.59%0.65%1.33%0.98%-91.57%-9,098 bps
Net Interest Margin2.77%2.86%2.98%2.85%-9.94%-1,271 bps
Efficiency Ratio83.65%84.44%84.33%85.18%n/an/a
Growth
Asset Growth (YoY)-4.70%-3.58%-2.47%3.58%4.47%+917 bps
Loan Growth (YoY)1.86%-1.81%-6.49%-10.01%-10.89%-1,275 bps
Share Growth (YoY)-6.05%-4.36%-3.11%3.85%9.62%+1,567 bps
Asset Quality
Delinquent Loans / Loans0.56%0.31%0.54%0.55%0.20%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.18%18.51%18.87%18.01%14.29%-389 bps
Net Worth / Assets18.18%18.51%18.87%18.01%14.29%-389 bps
Liquidity & Funding
Loans / Shares75.96%73.96%73.72%67.71%61.75%-1,421 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

T&I

Clawson, MI · Charter 61879 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=43)

NCUA · 2 branches

Q1 2025

$92.8MAssets
$48.9MLoans
$79.1MShares
$13.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 7 of 43).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 43 of 43).
  • Overall: at or above the peer median on 3 of 6 directional measures.

Return on Assets

-13.08%

Rank 43 of 43

Net Interest Margin

-9.94%

Rank 43 of 43

Equity / Assets

14.29%

Rank 15 of 43

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-13.08%0.21%0.69%0.97%Beats 0%43 / 43
Return on Equity-91.56%1.70%5.53%8.60%Beats 0%43 / 43
Net Interest Margin-9.94%2.98%3.51%3.94%Beats 0%43 / 43
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loans0.20%0.38%0.72%1.37%Beats 86%7 / 43
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.29%10.21%12.32%14.76%Beats 65%15 / 43
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.29%10.21%12.32%14.76%Beats 65%15 / 43
Liquidity & Funding
Loans / Deposits61.75%38.22%56.81%72.29%58th pctl18 / 43
Loans / Assets52.64%33.57%49.76%64.54%53rd pctl20 / 43
Brokered Deposits / Depositsn/aNot reported for this institution