PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westacres

West Bloomfield, MI · Charter 62316

NCUA · 1 branch

Q2 2026

$7.1MAssets
$1.1MLoans
$6.0MShares
$954KNet 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 0.28%, down 66 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.47%, down 45 bps from a year ago.
  • Funding: loans stand at 19.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-66 bps YoY

Net Interest Margin (YTD, annualized)

1.64%-64 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%+2,395 bps YoY

Net Worth / Assets

13.47%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.98%0.16%0.36%0.28%-66 bps
Return on Equity6.72%7.02%1.20%2.60%2.08%-464 bps
Net Interest Margin2.28%2.28%1.94%1.77%1.64%-64 bps
Efficiency Ratio58.96%57.04%91.56%79.91%82.92%+2,395 bps
Growth
Asset Growth (YoY)-1.64%1.72%-1.10%-0.60%2.16%+380 bps
Loan Growth (YoY)-11.33%-7.17%-14.35%-3.45%-8.18%+315 bps
Share Growth (YoY)-2.45%1.25%-2.09%-1.31%2.06%+451 bps
Asset Quality
Delinquent Loans / Loans0.00%1.91%0.00%0.00%0.00%0 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 Capital13.93%13.96%13.64%13.69%13.47%-45 bps
Net Worth / Assets13.93%13.96%13.64%13.69%13.47%-45 bps
Liquidity & Funding
Loans / Shares21.13%23.07%19.80%20.85%19.01%-212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps