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Detour Drummond Community

Drummond Island, MI · Charter 62344

NCUA · 2 branches

Q2 2026

$38.5MAssets
$17.5MLoans
$31.5MShares
$7.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, up 42 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.59% of loans (+143 bps YoY).
  • Capital: net worth / assets of 18.05%, up 53 bps from a year ago.
  • Funding: loans stand at 55.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.17%+42 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+40 bps YoY

Efficiency Ratio (YTD, annualized)

70.81%-849 bps YoY

Net Worth / Assets

18.05%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.94%0.97%0.75%0.86%0.91%1.21%1.17%+42 bps
Return on Equity4.85%5.40%5.41%4.28%5.03%5.21%6.88%6.50%+221 bps
Net Interest Margin3.58%3.77%3.85%3.80%3.78%3.93%4.12%4.20%+40 bps
Efficiency Ratio79.73%78.43%77.52%79.30%77.24%75.91%72.24%70.81%-849 bps
Growth
Asset Growth (YoY)-1.72%-4.87%-0.81%3.31%3.30%5.32%7.14%3.06%-24 bps
Loan Growth (YoY)6.91%3.68%2.47%2.55%-2.03%0.72%0.48%3.39%+84 bps
Share Growth (YoY)-3.99%-6.90%-2.26%2.01%2.39%3.96%7.09%2.28%+27 bps
Asset Quality
Delinquent Loans / Loans0.09%0.37%0.23%0.16%0.31%0.68%0.27%1.59%+143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.07%17.49%17.87%17.53%17.18%17.50%17.64%18.05%+53 bps
Net Worth / Assets17.07%17.49%17.87%17.53%17.18%17.50%17.64%18.05%+53 bps
Liquidity & Funding
Loans / Shares54.05%55.46%57.05%54.82%51.72%53.73%53.52%55.42%+60 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps