PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Churches

Taylor, MI · Charter 62144

NCUA · 1 branch

Q2 2026

$21.9MAssets
$5.0MLoans
$19.5MShares
$2.3MNet 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 0.86%, up 1 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.08% of loans (+65 bps YoY).
  • Capital: net worth / assets of 10.28%, up 87 bps from a year ago.
  • Funding: loans stand at 25.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-15 bps YoY

Efficiency Ratio (YTD, annualized)

75.24%-249 bps YoY

Net Worth / Assets

10.28%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.96%0.91%0.68%0.86%+1 bps
Return on Equity9.09%9.63%8.94%6.76%8.40%-69 bps
Net Interest Margin3.96%4.08%4.07%3.75%3.81%-15 bps
Efficiency Ratio77.73%77.26%78.44%75.71%75.24%-249 bps
Growth
Asset Growth (YoY)2.76%1.04%-1.17%-0.33%0.00%-276 bps
Loan Growth (YoY)-5.09%-1.58%-4.75%-5.37%-2.25%+284 bps
Share Growth (YoY)1.13%-0.27%-2.96%-1.71%-0.97%-210 bps
Asset Quality
Delinquent Loans / Loans0.43%1.31%1.30%0.48%1.08%+65 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 Capital9.42%9.94%10.21%10.02%10.28%+87 bps
Net Worth / Assets9.42%9.94%10.21%10.02%10.28%+87 bps
Liquidity & Funding
Loans / Shares25.75%27.66%27.91%25.21%25.42%-33 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps