Plymouth, MI · Charter 68631
NCUA · 12 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 | -0.02% | 0.03% | 0.16% | 0.29% | 0.28% | 0.06% | -0.05% | 0.04% | -26 bps | |
| Return on Equity | -0.22% | 0.35% | 1.56% | 2.81% | 2.70% | 0.58% | -0.47% | 0.36% | -245 bps | |
| Net Interest Margin | 3.38% | 3.37% | 3.47% | 3.71% | 3.87% | 3.91% | 3.76% | 3.90% | +19 bps | |
| Efficiency Ratio | 93.46% | 89.66% | 86.74% | 84.88% | 86.09% | 89.97% | 91.30% | 92.42% | +754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -0.99% | -4.98% | -6.48% | -4.23% | -6.69% | -3.79% | -1.82% | +466 bps | |
| Loan Growth (YoY) | -6.78% | -6.68% | -6.90% | -8.21% | -7.92% | -8.39% | -9.20% | -2.88% | +533 bps | |
| Share Growth (YoY) | -0.67% | 1.84% | 0.53% | -3.04% | -2.24% | -4.52% | -5.11% | -3.22% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.08% | 1.02% | 1.05% | 0.98% | 1.03% | 0.73% | 1.52% | +47 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 | 9.95% | 9.80% | 9.99% | 10.34% | 10.54% | 10.24% | 10.06% | 9.81% | -53 bps | |
| Net Worth / Assets | 9.95% | 9.80% | 9.99% | 10.34% | 10.54% | 10.24% | 10.06% | 9.81% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.47% | 101.39% | 98.12% | 98.26% | 98.40% | 97.28% | 93.89% | 98.61% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |