Sterling Height, MI · Charter 63342
NCUA · 1 branch
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 | 0.30% | 0.29% | 0.27% | 0.50% | 0.57% | 0.73% | 1.29% | 1.35% | +85 bps | |
| Return on Equity | 2.00% | 1.92% | 1.85% | 3.28% | 3.69% | 4.69% | 8.60% | 8.40% | +512 bps | |
| Net Interest Margin | 3.16% | 3.22% | 3.37% | 3.55% | 3.64% | 3.63% | 3.64% | 3.83% | +27 bps | |
| Efficiency Ratio | 89.36% | 88.58% | 85.20% | 81.07% | 80.22% | 78.66% | 74.37% | 74.74% | -633 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.01% | -2.95% | -0.37% | -1.73% | 0.67% | 2.40% | 2.18% | 1.86% | +359 bps | |
| Loan Growth (YoY) | -2.08% | -4.23% | -6.70% | -7.66% | -8.14% | -7.61% | -4.50% | -3.28% | +437 bps | |
| Share Growth (YoY) | -3.27% | -4.10% | -1.77% | -2.91% | -0.74% | 1.31% | 1.15% | 0.63% | +354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.96% | 0.65% | 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 | 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 | 15.21% | 15.26% | 14.76% | 15.25% | 15.55% | 15.58% | 15.04% | 16.07% | +82 bps | |
| Net Worth / Assets | 15.21% | 15.26% | 14.76% | 15.25% | 15.55% | 15.58% | 15.04% | 16.07% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.23% | 51.73% | 47.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |