Livonia, MI · Charter 62426
NCUA · 14 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 | 2.67% | 2.78% | 3.12% | 2.68% | 2.42% | 2.50% | 2.72% | 2.79% | +11 bps | |
| Return on Equity | 13.52% | 13.36% | 15.17% | 12.69% | 11.01% | 11.23% | 14.16% | 14.09% | +140 bps | |
| Net Interest Margin | 4.75% | 4.83% | 4.70% | 4.76% | 4.86% | 4.82% | 4.50% | 4.57% | -19 bps | |
| Efficiency Ratio | 48.43% | 47.41% | 47.99% | 49.03% | 53.01% | 51.58% | 49.94% | 47.24% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 1.66% | 4.93% | 6.53% | 2.96% | 6.40% | 20.93% | 20.81% | +1,428 bps | |
| Loan Growth (YoY) | 11.39% | 4.92% | 3.20% | 1.63% | -0.30% | 0.54% | 9.56% | 7.28% | +565 bps | |
| Share Growth (YoY) | -5.70% | -4.06% | 1.04% | 3.23% | 4.95% | 6.65% | 22.37% | 22.22% | +1,899 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.17% | 1.17% | 1.11% | 1.17% | 1.45% | 1.46% | 1.50% | +40 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 | 19.79% | 20.78% | 20.57% | 21.10% | 21.94% | 22.23% | 19.20% | 19.82% | -129 bps | |
| Net Worth / Assets | 19.79% | 20.78% | 20.57% | 21.10% | 21.94% | 22.23% | 19.20% | 19.82% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.71% | 102.38% | 94.38% | 95.91% | 98.53% | 96.51% | 84.51% | 84.18% | -1,173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |