Our 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
$375.1M Assets
$239.2M Loans
$347.3M Shares
$37.4M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 14 of 38). Widest gap: equity / assets trails 89% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 34 of 38). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11