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Credit Union One

Ferndale, MI · Charter 62562

NCUA · 17 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.6BShares
$204.7MNet 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 1.18%, up 19 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.42% of loans (-7 bps YoY).
  • Capital: net worth / assets of 11.29%, up 72 bps from a year ago.
  • Funding: loans stand at 82.49% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.18%+19 bps YoY

Net Interest Margin (quarter, annualized)

4.41%+30 bps YoY

Efficiency Ratio (quarter, annualized)

73.25%-14 bps YoY

Net Worth / Assets

11.29%+72 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.03%1.08%1.18%1.18%+19 bps
Return on Equity9.38%9.38%9.81%10.76%10.48%+110 bps
Net Interest Margin4.11%4.26%4.27%4.30%4.41%+30 bps
Efficiency Ratio73.39%73.40%72.96%72.01%73.25%-14 bps
Growth
Asset Growth (YoY)0.94%1.79%2.49%3.69%3.53%+259 bps
Loan Growth (YoY)-1.19%4.67%8.15%11.44%11.08%+1,227 bps
Share Growth (YoY)-0.32%0.40%0.86%2.35%2.34%+266 bps
Asset Quality
Delinquent Loans / Loans0.49%0.49%0.49%0.40%0.42%-7 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 Capital10.57%10.97%11.02%10.97%11.29%+72 bps
Net Worth / Assets10.57%10.97%11.02%10.97%11.29%+72 bps
Liquidity & Funding
Loans / Shares76.00%80.88%81.40%79.85%82.49%+649 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps