Wyandotte, MI · Charter 62642
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |