PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Auto-Owners Associates

Lansing, MI · Charter 62543

NCUA · 1 branch

Q2 2026

$43.8MAssets
$6.9MLoans
$35.4MShares
$8.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.73%, down 45 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.25% of loans (+20 bps YoY).
  • Capital: net worth / assets of 18.62%, up 67 bps from a year ago.
  • Funding: loans stand at 19.60% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.73%-45 bps YoY

Net Interest Margin (quarter, annualized)

3.41%-1 bps YoY

Efficiency Ratio (quarter, annualized)

53.12%+825 bps YoY

Net Worth / Assets

18.62%+67 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%1.92%2.20%2.18%2.14%1.81%1.88%1.73%-45 bps
Return on Equity12.93%11.43%12.73%12.12%11.32%9.76%10.20%9.27%-285 bps
Net Interest Margin3.36%2.99%3.30%3.42%3.63%3.23%3.40%3.41%-1 bps
Efficiency Ratio43.07%45.44%43.99%44.87%46.77%50.78%49.28%53.12%+825 bps
Growth
Asset Growth (YoY)-7.02%-5.20%-1.17%-0.41%0.80%0.62%3.52%5.20%+561 bps
Loan Growth (YoY)-10.94%-9.12%-7.70%-2.44%-4.04%-4.32%-7.03%-7.62%-518 bps
Share Growth (YoY)-10.05%-8.16%-4.03%-3.64%-1.14%-1.49%2.73%5.11%+875 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.05%0.06%0.12%0.07%0.25%+20 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 Capital17.11%16.81%17.29%17.95%18.91%18.51%18.39%18.62%+67 bps
Net Worth / Assets17.11%16.81%17.29%17.95%18.91%18.51%18.39%18.62%+67 bps
Liquidity & Funding
Loans / Shares22.61%21.44%21.79%22.30%21.95%20.82%19.72%19.60%-270 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps