Detroit, MI · Charter 62167
NCUA · 2 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 | 2.84% | 3.28% | 1.87% | 2.50% | 2.79% | 3.32% | 1.99% | 2.34% | -15 bps | |
| Return on Equity | 12.64% | 13.26% | 7.98% | 11.16% | 10.76% | 11.37% | 7.62% | 8.35% | -281 bps | |
| Net Interest Margin | 2.37% | 2.82% | 1.99% | 1.82% | 2.02% | 2.25% | 1.33% | 1.62% | -20 bps | |
| Efficiency Ratio | 23.38% | 21.41% | 44.11% | 17.91% | 19.24% | 11.31% | 24.55% | 22.35% | +444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.72% | 13.55% | 0.66% | 17.53% | -1.59% | -4.40% | 0.78% | -11.45% | -2,898 bps | |
| Loan Growth (YoY) | -84.26% | -86.29% | -87.83% | n/a | -81.44% | 1382% | 1704% | 2497% | n/a | |
| Share Growth (YoY) | 15.78% | 12.72% | -3.04% | 18.29% | -6.13% | -9.78% | -2.28% | -17.61% | -3,590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | -7.51% | 9.49% | 7.31% | 5.81% | 6.28% | 1.65% | 1.50% | 1.50% | -431 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.50% | 24.74% | 23.42% | 22.37% | 25.96% | 29.20% | 26.06% | 28.08% | +571 bps | |
| Net Worth / Assets | 22.50% | 24.74% | 23.42% | 22.37% | 25.96% | 29.20% | 26.06% | 28.08% | +571 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.19% | 0.17% | 0.12% | 0.07% | 0.04% | 2.75% | 2.18% | 2.22% | +215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |