Farmington Hill, MI · Charter 64880
NCUA · 24 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.36% | 0.62% | 0.62% | 0.64% | 0.80% | 1.40% | 1.35% | +74 bps | |
| Return on Equity | 3.02% | 3.85% | 6.75% | 6.77% | 7.03% | 8.66% | 14.90% | 14.23% | +746 bps | |
| Net Interest Margin | 3.48% | 3.60% | 3.85% | 3.84% | 3.85% | 3.90% | 4.03% | 4.06% | +22 bps | |
| Efficiency Ratio | 87.07% | 84.53% | 80.63% | 80.69% | 80.18% | 77.32% | 69.54% | 69.57% | -1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 3.04% | 2.78% | 5.82% | 7.38% | 8.53% | 9.47% | 8.93% | +310 bps | |
| Loan Growth (YoY) | 4.70% | 7.13% | 8.40% | 8.70% | 10.84% | 9.17% | 6.80% | 6.45% | -225 bps | |
| Share Growth (YoY) | -0.16% | -0.34% | 0.62% | 4.54% | 9.03% | 12.40% | 13.47% | 12.04% | +750 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.82% | 0.48% | 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 | 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 | 9.20% | 9.27% | 9.18% | 9.11% | 9.10% | 9.26% | 9.36% | 9.52% | +41 bps | |
| Net Worth / Assets | 9.20% | 9.27% | 9.18% | 9.11% | 9.10% | 9.26% | 9.36% | 9.52% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.46% | 95.75% | 92.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |