Wyandotte, MI · Charter 62642
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.56% | 0.44% | 0.66% | 0.52% | +36 bps | |
| Return on Equity | 1.33% | 4.38% | 3.40% | 5.28% | 4.17% | +285 bps | |
| Net Interest Margin | 3.76% | 3.87% | 3.88% | 3.56% | 3.55% | -21 bps | |
| Efficiency Ratio | 86.86% | 82.12% | 83.64% | 81.44% | 84.23% | -263 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.40% | 1.70% | 1.64% | 2.60% | 3.72% | +232 bps | |
| Loan Growth (YoY) | -9.56% | -9.88% | -0.38% | -4.56% | -4.05% | +551 bps | |
| Share Growth (YoY) | 1.05% | 1.60% | 1.29% | 2.50% | 3.63% | +258 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.31% | 12.90% | 12.98% | 12.52% | 12.45% | +14 bps | |
| Net Worth / Assets | 12.31% | 12.90% | 12.98% | 12.52% | 12.45% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |