Sterling Height, MI · Charter 63805
NCUA · 11 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 | 0.85% | 0.75% | 0.51% | 0.61% | 0.56% | 0.57% | 0.57% | 0.70% | +9 bps | |
| Return on Equity | 7.97% | 7.25% | 4.93% | 5.88% | 5.61% | 5.80% | 5.88% | 7.05% | +117 bps | |
| Net Interest Margin | 2.75% | 2.70% | 2.68% | 2.75% | 2.62% | 2.68% | 2.99% | 3.08% | +33 bps | |
| Efficiency Ratio | 79.94% | 81.24% | 86.20% | 84.14% | 83.37% | 82.80% | 84.23% | 80.47% | -367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.75% | 6.29% | 7.94% | 9.53% | 21.31% | 21.21% | 20.54% | 19.80% | +1,027 bps | |
| Loan Growth (YoY) | 10.27% | 11.85% | 13.96% | 13.45% | 21.89% | 19.05% | 17.73% | 17.23% | +378 bps | |
| Share Growth (YoY) | 8.21% | 9.19% | 8.14% | 10.07% | 21.89% | 22.34% | 21.54% | 20.65% | +1,059 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.31% | 0.33% | 0.33% | 0.29% | 0.31% | 0.22% | 0.46% | +12 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 | 10.64% | 10.41% | 10.28% | 10.35% | 10.03% | 9.86% | 9.76% | 9.93% | -42 bps | |
| Net Worth / Assets | 10.64% | 10.41% | 10.28% | 10.35% | 10.03% | 9.86% | 9.76% | 9.93% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.00% | 83.95% | 83.56% | 85.43% | 84.00% | 81.69% | 80.93% | 83.00% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |