Farmington Hill, MI · Charter 64880
NCUA · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
44
Profitability
91
Liquidity
95
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Farmington Hill, MI · Charter 64880
NCUA · 24 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.64% | 0.80% | 1.40% | 1.35% | +74 bps | |
| Return on Equity | 6.77% | 7.03% | 8.66% | 14.90% | 14.23% | +746 bps | |
| Net Interest Margin | 3.84% | 3.85% | 3.90% | 4.03% | 4.06% | +22 bps | |
| Efficiency Ratio | 80.69% | 80.18% | 77.32% | 69.54% | 69.57% | -1,112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.82% | 7.38% | 8.53% | 9.47% | 8.93% | +310 bps | |
| Loan Growth (YoY) | 8.70% | 10.84% | 9.17% | 6.80% | 6.45% | -225 bps | |
| Share Growth (YoY) | 4.54% | 9.03% | 12.40% | 13.47% | 12.04% | +750 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.81% | 0.70% | 0.81% | 0.75% | +16 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.10% | 9.26% | 9.36% | 9.52% | +41 bps | |
| Net Worth / Assets | 9.11% | 9.10% | 9.26% | 9.36% | 9.52% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.89% | 94.00% | 93.00% | 87.25% | 87.31% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Farmington Hill, MI · Charter 64880 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
1.35%
Rank 63 of 435
Net Interest Margin
4.06%
Rank 45 of 435
Efficiency Ratio
69.57%
Rank 184 of 435
Equity / Assets
9.52%
Rank 349 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 0.55% | 0.81% | 1.14% | Beats 86% | 63 / 435 | |
| Return on Equity | 14.23% | 5.12% | 7.41% | 9.70% | Beats 97% | 11 / 435 | |
| Net Interest Margin | 4.06% | 3.01% | 3.39% | 3.75% | Beats 90% | 45 / 435 | |
| Efficiency Ratio | 69.57% | 65.25% | 71.39% | 77.86% | Beats 58% | 184 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 44% | 243 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.52% | 9.81% | 10.84% | 12.63% | Beats 20% | 349 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.52% | 9.81% | 10.84% | 12.63% | Beats 20% | 349 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.31% | 78.33% | 88.38% | 95.61% | 46th pctl | 233 / 435 | |
| Loans / Assets | 75.22% | 67.69% | 74.58% | 80.80% | 53rd pctl | 205 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||