PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Diversified Members

Detroit, MI · Charter 62339

NCUA · 4 branches

Q2 2026

$588.5MAssets
$261.9MLoans
$455.6MShares
$86.6MNet 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 0.05%, down 34 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.73% of loans (+54 bps YoY).
  • Capital: net worth / assets of 14.71%, down 55 bps from a year ago.
  • Funding: loans stand at 57.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+15 bps YoY

Efficiency Ratio (YTD, annualized)

91.04%+795 bps YoY

Net Worth / Assets

14.71%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.51%0.46%0.00%0.05%-34 bps
Return on Equity2.57%3.37%3.12%0.01%0.35%-223 bps
Net Interest Margin3.39%3.44%3.47%3.49%3.54%+15 bps
Efficiency Ratio83.09%81.77%82.04%92.32%91.04%+795 bps
Growth
Asset Growth (YoY)14.75%17.72%16.61%13.20%5.81%-894 bps
Loan Growth (YoY)2.41%1.18%2.53%1.96%-6.30%-871 bps
Share Growth (YoY)8.13%11.25%9.93%13.90%7.08%-105 bps
Asset Quality
Delinquent Loans / Loans1.19%1.75%1.81%1.53%1.73%+54 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 Capital15.26%15.04%14.86%14.50%14.71%-55 bps
Net Worth / Assets15.26%15.04%14.86%14.50%14.71%-55 bps
Liquidity & Funding
Loans / Shares65.71%62.58%61.26%57.77%57.50%-821 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps