Detroit, MI · Charter 64267
NCUA · 2 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 | 0.94% | 0.73% | 0.94% | 0.96% | 0.86% | 0.94% | 1.47% | 1.89% | +93 bps | |
| Return on Equity | 8.60% | 6.80% | 8.75% | 8.71% | 7.73% | 8.16% | 12.28% | 15.41% | +670 bps | |
| Net Interest Margin | 3.45% | 3.47% | 3.72% | 3.91% | 4.01% | 4.08% | 4.49% | 4.49% | +58 bps | |
| Efficiency Ratio | 72.08% | 74.96% | 76.21% | 76.91% | 79.64% | 78.30% | 69.67% | 61.21% | -1,570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.96% | 3.97% | 6.21% | 1.81% | 4.77% | 2.28% | -1.63% | 1.11% | -70 bps | |
| Loan Growth (YoY) | 1.50% | -7.90% | -9.42% | -10.11% | -3.13% | -0.64% | -4.32% | 10.54% | +2,064 bps | |
| Share Growth (YoY) | 9.32% | 3.26% | 5.53% | 0.56% | 3.27% | 1.34% | -3.00% | 0.11% | -45 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | +9 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 | 10.91% | 10.78% | 10.70% | 10.98% | 11.08% | 11.47% | 11.94% | 12.24% | +126 bps | |
| Net Worth / Assets | 10.91% | 10.78% | 10.70% | 10.98% | 11.08% | 11.47% | 11.94% | 12.24% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.24% | 28.71% | 27.53% | 28.18% | 29.30% | 28.15% | 27.16% | 31.11% | +293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |