Detroit, MI · Charter 62339
NCUA · 4 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 | 0.39% | 0.34% | 0.30% | 0.39% | 0.51% | 0.46% | 0.00% | 0.05% | -34 bps | |
| Return on Equity | 2.26% | 2.00% | 1.88% | 2.57% | 3.37% | 3.12% | 0.01% | 0.35% | -223 bps | |
| Net Interest Margin | 3.64% | 3.52% | 3.44% | 3.39% | 3.44% | 3.47% | 3.49% | 3.54% | +15 bps | |
| Efficiency Ratio | 83.12% | 84.54% | 85.64% | 83.09% | 81.77% | 82.04% | 92.32% | 91.04% | +795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | 3.55% | 9.17% | 14.75% | 17.72% | 16.61% | 13.20% | 5.81% | -894 bps | |
| Loan Growth (YoY) | -5.81% | -4.40% | -6.38% | 2.41% | 1.18% | 2.53% | 1.96% | -6.30% | -871 bps | |
| Share Growth (YoY) | -1.95% | 2.11% | 3.42% | 8.13% | 11.25% | 9.93% | 13.90% | 7.08% | -105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.24% | 1.08% | 1.19% | 1.75% | 1.81% | 1.53% | 1.73% | +54 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 | 17.24% | 16.81% | 16.00% | 15.26% | 15.04% | 14.86% | 14.50% | 14.71% | -55 bps | |
| Net Worth / Assets | 17.24% | 16.81% | 16.00% | 15.26% | 15.04% | 14.86% | 14.50% | 14.71% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.82% | 65.68% | 64.54% | 65.71% | 62.58% | 61.26% | 57.77% | 57.50% | -821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |