Wyandotte, MI · Charter 62642
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
71
Profitability
30
Liquidity
54
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wyandotte, MI · Charter 62642
NCUA · 5 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 | 0.74% | 0.68% | 0.21% | 0.16% | 0.56% | 0.44% | 0.66% | 0.52% | +36 bps | |
| Return on Equity | 5.88% | 5.32% | 1.70% | 1.33% | 4.38% | 3.40% | 5.28% | 4.17% | +285 bps | |
| Net Interest Margin | 3.73% | 3.78% | 3.67% | 3.76% | 3.87% | 3.88% | 3.56% | 3.55% | -21 bps | |
| Efficiency Ratio | 84.48% | 82.46% | 88.68% | 86.86% | 82.12% | 83.64% | 81.44% | 84.23% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -3.01% | -0.41% | 1.40% | 1.70% | 1.64% | 2.60% | 3.72% | +232 bps | |
| Loan Growth (YoY) | -8.14% | -12.70% | -9.57% | -9.56% | -9.88% | -0.38% | -4.56% | -4.05% | +551 bps | |
| Share Growth (YoY) | -9.21% | -4.05% | -1.11% | 1.05% | 1.60% | 1.29% | 2.50% | 3.63% | +258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.60% | 0.71% | 0.94% | 0.70% | 0.71% | 0.62% | 0.46% | -48 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 | 12.59% | 12.76% | 12.32% | 12.31% | 12.90% | 12.98% | 12.52% | 12.45% | +14 bps | |
| Net Worth / Assets | 12.59% | 12.76% | 12.32% | 12.31% | 12.90% | 12.98% | 12.52% | 12.45% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.11% | 78.56% | 75.33% | 73.02% | 72.84% | 77.27% | 70.14% | 67.61% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyandotte, MI · Charter 62642 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 5 branches
Q2 2026
Return on Assets
0.52%
Rank 27 of 38
Net Interest Margin
3.55%
Rank 25 of 38
Efficiency Ratio
84.23%
Rank 31 of 38
Equity / Assets
12.45%
Rank 19 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.49% | 0.78% | 1.16% | Beats 29% | 27 / 38 | ||
| Return on Equity | 4.17% | 3.91% | 6.52% | 8.43% | Beats 26% | 28 / 38 | ||
| Net Interest Margin | 3.55% | 3.41% | 3.65% | 4.18% | Beats 34% | 25 / 38 | ||
| Efficiency Ratio | 84.23% | 72.88% | 78.35% | 82.40% | Beats 21% | 31 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.36% | 0.84% | 1.47% | Beats 71% | 12 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.45% | 11.22% | 12.45% | 15.29% | Beats 50% | 19 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.45% | 11.22% | 12.45% | 15.29% | Beats 50% | 19 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.61% | 38.40% | 54.78% | 75.62% | 63rd pctl | 14 / 38 | ||
| Loans / Assets | 59.17% | 32.99% | 45.72% | 63.66% | 63rd pctl | 14 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||