PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Christian Financial

Sterling Height, MI · Charter 63805

NCUA · 11 branches

Q2 2026

$1.1BAssets
$816.7MLoans
$984.0MShares
$111.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 9 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.46% of loans (+12 bps YoY).
  • Capital: net worth / assets of 9.93%, down 42 bps from a year ago.
  • Funding: loans stand at 83.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+33 bps YoY

Efficiency Ratio (YTD, annualized)

80.47%-367 bps YoY

Net Worth / Assets

9.93%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.56%0.57%0.57%0.70%+9 bps
Return on Equity5.88%5.61%5.80%5.88%7.05%+117 bps
Net Interest Margin2.75%2.62%2.68%2.99%3.08%+33 bps
Efficiency Ratio84.14%83.37%82.80%84.23%80.47%-367 bps
Growth
Asset Growth (YoY)9.53%21.31%21.21%20.54%19.80%+1,027 bps
Loan Growth (YoY)13.45%21.89%19.05%17.73%17.23%+378 bps
Share Growth (YoY)10.07%21.89%22.34%21.54%20.65%+1,059 bps
Asset Quality
Delinquent Loans / Loans0.33%0.29%0.31%0.22%0.46%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.35%10.03%9.86%9.76%9.93%-42 bps
Net Worth / Assets10.35%10.03%9.86%9.76%9.93%-42 bps
Liquidity & Funding
Loans / Shares85.43%84.00%81.69%80.93%83.00%-243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps