Auburn Hills, MI · Charter 68536
NCUA · 33 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
93
Asset Quality
23
Profitability
73
Liquidity
25
Efficiency
100
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.
Auburn Hills, MI · Charter 68536
NCUA · 33 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 | 1.71% | 1.63% | 1.66% | 1.66% | 1.71% | 1.59% | 1.67% | 1.70% | +4 bps | |
| Return on Equity | 10.66% | 10.01% | 10.38% | 10.34% | 10.62% | 10.29% | 10.91% | 11.02% | +67 bps | |
| Net Interest Margin | 2.67% | 2.73% | 2.95% | 3.06% | 3.11% | 2.98% | 3.14% | 3.22% | +16 bps | |
| Efficiency Ratio | 41.63% | 42.88% | 40.93% | 41.48% | 41.03% | 41.92% | 39.16% | 40.64% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.84% | 9.39% | 8.80% | 8.99% | 10.11% | 17.11% | 15.99% | 15.70% | +672 bps | |
| Loan Growth (YoY) | 5.02% | 7.68% | 11.19% | 17.83% | 23.55% | 23.15% | 24.16% | 24.62% | +678 bps | |
| Share Growth (YoY) | 10.38% | 10.42% | 10.70% | 10.70% | 12.24% | 17.49% | 16.43% | 16.33% | +563 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.04% | 0.97% | 1.09% | 1.02% | 1.15% | 0.90% | 1.09% | 0 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 | 16.06% | 16.26% | 15.95% | 16.05% | 16.14% | 15.42% | 15.30% | 15.47% | -58 bps | |
| Net Worth / Assets | 16.06% | 16.26% | 15.95% | 16.05% | 16.14% | 15.42% | 15.30% | 15.47% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.28% | 88.32% | 87.19% | 92.31% | 96.08% | 92.58% | 92.97% | 98.89% | +658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Auburn Hills, MI · Charter 68536 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 33 branches
Q2 2026
Return on Assets
1.70%
Rank 19 of 435
Net Interest Margin
3.22%
Rank 267 of 435
Efficiency Ratio
40.64%
Rank 3 of 435
Equity / Assets
15.47%
Rank 31 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 0.55% | 0.81% | 1.14% | Beats 96% | 19 / 435 | ||
| Return on Equity | 11.02% | 5.12% | 7.41% | 9.70% | Beats 85% | 66 / 435 | ||
| Net Interest Margin | 3.22% | 3.01% | 3.39% | 3.75% | Beats 39% | 267 / 435 | ||
| Efficiency Ratio | 40.64% | 65.25% | 71.39% | 77.86% | Beats 100% | 3 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.09% | 0.45% | 0.69% | 1.05% | Beats 23% | 338 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.47% | 9.81% | 10.84% | 12.63% | Beats 93% | 31 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.47% | 9.81% | 10.84% | 12.63% | Beats 93% | 31 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.89% | 78.33% | 88.38% | 95.61% | 82nd pctl | 79 / 435 | ||
| Loans / Assets | 82.25% | 67.69% | 74.58% | 80.80% | 83rd pctl | 72 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||