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 | |