Sterling Height, MI · Charter 63342
NCUA · 1 branch
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
79
Asset Quality
89
Profitability
72
Liquidity
75
Efficiency
68
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.
Sterling Height, MI · Charter 63342
NCUA · 1 branch
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 | 0.50% | 0.57% | 0.73% | 1.29% | 1.35% | +85 bps | |
| Return on Equity | 3.28% | 3.69% | 4.69% | 8.60% | 8.40% | +512 bps | |
| Net Interest Margin | 3.55% | 3.64% | 3.63% | 3.64% | 3.83% | +27 bps | |
| Efficiency Ratio | 81.07% | 80.22% | 78.66% | 74.37% | 74.74% | -633 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.73% | 0.67% | 2.40% | 2.18% | 1.86% | +359 bps | |
| Loan Growth (YoY) | -7.66% | -8.14% | -7.61% | -4.50% | -3.28% | +437 bps | |
| Share Growth (YoY) | -2.91% | -0.74% | 1.31% | 1.15% | 0.63% | +354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.39% | 0.56% | 0.24% | 0.26% | -68 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 | 15.25% | 15.55% | 15.58% | 15.04% | 16.07% | +82 bps | |
| Net Worth / Assets | 15.25% | 15.55% | 15.58% | 15.04% | 16.07% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.57% | 48.34% | 47.18% | 45.11% | 46.68% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sterling Height, MI · Charter 63342 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
Return on Assets
1.35%
Rank 7 of 38
Net Interest Margin
3.83%
Rank 14 of 38
Efficiency Ratio
74.72%
Rank 13 of 38
Equity / Assets
16.07%
Rank 8 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 0.49% | 0.78% | 1.16% | Beats 82% | 7 / 38 | |
| Return on Equity | 8.40% | 3.91% | 6.52% | 8.43% | Beats 71% | 11 / 38 | |
| Net Interest Margin | 3.83% | 3.41% | 3.65% | 4.18% | Beats 63% | 14 / 38 | |
| Efficiency Ratio | 74.72% | 72.88% | 78.35% | 82.40% | Beats 68% | 13 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.36% | 0.84% | 1.47% | Beats 89% | 5 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.07% | 11.22% | 12.45% | 15.29% | Beats 79% | 8 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.07% | 11.22% | 12.45% | 15.29% | Beats 79% | 8 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.68% | 38.40% | 54.78% | 75.62% | 39th pctl | 23 / 38 | |
| Loans / Assets | 39.38% | 32.99% | 45.72% | 63.66% | 34th pctl | 25 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||