PackageTrendsPeer
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Our

Royal Oak, MI · Charter 62028

NCUA · 6 branches

Q2 2026

$375.1MAssets
$239.2MLoans
$347.3MShares
$37.4MNet 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 0.63%, down 2 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.48% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.98%, up 27 bps from a year ago.
  • Funding: loans stand at 68.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+8 bps YoY

Efficiency Ratio (YTD, annualized)

78.32%+25 bps YoY

Net Worth / Assets

9.98%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.68%0.68%0.53%0.63%-2 bps
Return on Equity6.69%6.74%6.72%5.31%6.35%-35 bps
Net Interest Margin3.60%3.73%3.67%3.59%3.68%+8 bps
Efficiency Ratio78.07%77.62%77.76%80.03%78.32%+25 bps
Growth
Asset Growth (YoY)-1.29%-1.46%0.73%2.65%4.08%+536 bps
Loan Growth (YoY)3.71%5.34%6.47%10.96%8.90%+519 bps
Share Growth (YoY)-2.30%-2.17%-1.05%1.18%2.77%+508 bps
Asset Quality
Delinquent Loans / Loans0.62%0.62%0.56%0.45%0.48%-14 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 Capital9.71%10.07%10.06%9.94%9.98%+27 bps
Net Worth / Assets9.71%10.07%10.06%9.94%9.98%+27 bps
Liquidity & Funding
Loans / Shares65.01%67.26%66.62%65.79%68.88%+387 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps