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 | |