West Bloomfield, MI · Charter 62316
NCUA · 1 branch
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 | 0.44% | 0.11% | 0.81% | 0.94% | 0.98% | 0.16% | 0.36% | 0.28% | -66 bps | |
| Return on Equity | 3.25% | 0.79% | 5.95% | 6.72% | 7.02% | 1.20% | 2.60% | 2.08% | -464 bps | |
| Net Interest Margin | 1.69% | 1.54% | 2.17% | 2.28% | 2.28% | 1.94% | 1.77% | 1.64% | -64 bps | |
| Efficiency Ratio | 73.77% | 93.17% | 62.89% | 58.96% | 57.04% | 91.56% | 79.91% | 82.92% | +2,395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.92% | -4.80% | -1.20% | -1.64% | 1.72% | -1.10% | -0.60% | 2.16% | +380 bps | |
| Loan Growth (YoY) | 13.64% | 1.46% | -7.63% | -11.33% | -7.17% | -14.35% | -3.45% | -8.18% | +315 bps | |
| Share Growth (YoY) | -5.96% | -5.98% | -1.80% | -2.45% | 1.25% | -2.09% | -1.31% | 2.06% | +451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.91% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.68% | 13.32% | 13.56% | 13.93% | 13.96% | 13.64% | 13.69% | 13.47% | -45 bps | |
| Net Worth / Assets | 13.68% | 13.32% | 13.56% | 13.93% | 13.96% | 13.64% | 13.69% | 13.47% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.17% | 22.64% | 21.31% | 21.13% | 23.07% | 19.80% | 20.85% | 19.01% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |