Royal Oak, MI · Charter 62028
NCUA · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
66
Profitability
43
Liquidity
50
Efficiency
53
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.
Royal Oak, MI · Charter 62028
NCUA · 6 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 | 0.33% | 0.35% | 0.58% | 0.65% | 0.68% | 0.68% | 0.53% | 0.63% | -2 bps | |
| Return on Equity | 3.49% | 3.74% | 6.07% | 6.69% | 6.74% | 6.72% | 5.31% | 6.35% | -35 bps | |
| Net Interest Margin | 3.32% | 3.36% | 3.51% | 3.60% | 3.73% | 3.67% | 3.59% | 3.68% | +8 bps | |
| Efficiency Ratio | 81.65% | 81.62% | 79.61% | 78.07% | 77.62% | 77.76% | 80.03% | 78.32% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -1.84% | -1.35% | -1.29% | -1.46% | 0.73% | 2.65% | 4.08% | +536 bps | |
| Loan Growth (YoY) | -8.86% | -4.86% | -3.56% | 3.71% | 5.34% | 6.47% | 10.96% | 8.90% | +519 bps | |
| Share Growth (YoY) | -1.96% | -0.21% | -2.15% | -2.30% | -2.17% | -1.05% | 1.18% | 2.77% | +508 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.80% | 0.50% | 0.62% | 0.62% | 0.56% | 0.45% | 0.48% | -14 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 | 9.31% | 9.45% | 9.53% | 9.71% | 10.07% | 10.06% | 9.94% | 9.98% | +27 bps | |
| Net Worth / Assets | 9.31% | 9.45% | 9.53% | 9.71% | 10.07% | 10.06% | 9.94% | 9.98% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.46% | 61.91% | 59.99% | 65.01% | 67.26% | 66.62% | 65.79% | 68.88% | +387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Royal Oak, MI · Charter 62028 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 6 branches
Q2 2026
Return on Assets
0.63%
Rank 26 of 38
Net Interest Margin
3.68%
Rank 17 of 38
Efficiency Ratio
78.33%
Rank 19 of 38
Equity / Assets
9.98%
Rank 34 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.49% | 0.78% | 1.16% | Beats 32% | 26 / 38 | ||
| Return on Equity | 6.35% | 3.91% | 6.52% | 8.43% | Beats 42% | 22 / 38 | ||
| Net Interest Margin | 3.68% | 3.41% | 3.65% | 4.18% | Beats 55% | 17 / 38 | ||
| Efficiency Ratio | 78.33% | 72.88% | 78.35% | 82.40% | Beats 53% | 19 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.36% | 0.84% | 1.47% | Beats 66% | 14 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 11.22% | 12.45% | 15.29% | Beats 11% | 34 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.98% | 11.22% | 12.45% | 15.29% | Beats 11% | 34 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.88% | 38.40% | 54.78% | 75.62% | 68th pctl | 12 / 38 | ||
| Loans / Assets | 63.78% | 32.99% | 45.72% | 63.66% | 76th pctl | 9 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||