PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electrical Workers Local 58

Detroit, MI · Charter 64267

NCUA · 2 branches

Q2 2026

$21.4MAssets
$5.8MLoans
$18.7MShares
$2.6MNet 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 1.89%, up 93 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY).
  • Capital: net worth / assets of 12.24%, up 126 bps from a year ago.
  • Funding: loans stand at 31.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.89%+93 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+58 bps YoY

Efficiency Ratio (YTD, annualized)

61.21%-1,570 bps YoY

Net Worth / Assets

12.24%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.86%0.94%1.47%1.89%+93 bps
Return on Equity8.71%7.73%8.16%12.28%15.41%+670 bps
Net Interest Margin3.91%4.01%4.08%4.49%4.49%+58 bps
Efficiency Ratio76.91%79.64%78.30%69.67%61.21%-1,570 bps
Growth
Asset Growth (YoY)1.81%4.77%2.28%-1.63%1.11%-70 bps
Loan Growth (YoY)-10.11%-3.13%-0.64%-4.32%10.54%+2,064 bps
Share Growth (YoY)0.56%3.27%1.34%-3.00%0.11%-45 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.09%+9 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 Capital10.98%11.08%11.47%11.94%12.24%+126 bps
Net Worth / Assets10.98%11.08%11.47%11.94%12.24%+126 bps
Liquidity & Funding
Loans / Shares28.18%29.30%28.15%27.16%31.11%+293 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps