Brighton, MI · Charter 62047
NCUA · 23 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 | 0.46% | 0.43% | 0.49% | 0.56% | 0.60% | 0.57% | 0.54% | 0.70% | +14 bps | |
| Return on Equity | 4.21% | 3.92% | 4.53% | 5.14% | 5.40% | 5.27% | 5.03% | 6.42% | +128 bps | |
| Net Interest Margin | 3.03% | 3.10% | 3.35% | 3.41% | 3.51% | 3.47% | 3.56% | 3.67% | +26 bps | |
| Efficiency Ratio | 80.02% | 80.25% | 79.56% | 75.87% | 75.36% | 75.52% | 76.87% | 73.70% | -217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 1.67% | 0.61% | 2.04% | 2.53% | 5.58% | 7.07% | 6.07% | +404 bps | |
| Loan Growth (YoY) | 3.71% | 3.73% | 4.26% | 7.30% | 7.95% | 7.35% | 6.98% | 6.55% | -76 bps | |
| Share Growth (YoY) | -0.77% | 0.40% | 2.37% | 3.77% | 4.69% | 7.50% | 6.99% | 5.97% | +220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.01% | 0.98% | 1.00% | 1.05% | 1.17% | 1.02% | 1.06% | +6 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 | 10.83% | 10.88% | 10.83% | 10.85% | 11.06% | 10.85% | 10.66% | 10.84% | -1 bps | |
| Net Worth / Assets | 10.83% | 10.88% | 10.83% | 10.85% | 11.06% | 10.85% | 10.66% | 10.84% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.03% | 87.09% | 84.03% | 86.11% | 88.71% | 86.97% | 84.02% | 86.58% | +47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |