PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Choice

Farmington Hill, MI · Charter 64880

NCUA · 24 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BShares
$201.3MNet 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 1.35%, up 74 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.75% of loans (+16 bps YoY).
  • Capital: net worth / assets of 9.52%, up 41 bps from a year ago.
  • Funding: loans stand at 87.31% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.35%+74 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+22 bps YoY

Efficiency Ratio (quarter, annualized)

69.57%-1,112 bps YoY

Net Worth / Assets

9.52%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.80%1.40%1.35%+74 bps
Return on Equity6.77%7.03%8.66%14.90%14.23%+746 bps
Net Interest Margin3.84%3.85%3.90%4.03%4.06%+22 bps
Efficiency Ratio80.69%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 / Loans0.59%0.81%0.70%0.81%0.75%+16 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 Capital9.11%9.10%9.26%9.36%9.52%+41 bps
Net Worth / Assets9.11%9.10%9.26%9.36%9.52%+41 bps
Liquidity & Funding
Loans / Shares91.89%94.00%93.00%87.25%87.31%-458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps