Auburn Hills, MI · Charter 68641
NCUA · 8 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 | 0.61% | 0.54% | 0.67% | 0.69% | 0.85% | 0.83% | 0.68% | 0.66% | -3 bps | |
| Return on Equity | 4.82% | 4.43% | 5.57% | 5.52% | 6.92% | 7.07% | 5.87% | 5.46% | -6 bps | |
| Net Interest Margin | 3.77% | 3.67% | 3.91% | 3.97% | 4.04% | 3.92% | 4.08% | 4.24% | +28 bps | |
| Efficiency Ratio | 79.23% | 79.36% | 75.99% | 75.74% | 72.47% | 72.84% | 71.49% | 72.88% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 4.40% | 2.91% | 6.21% | 8.39% | 9.94% | 9.58% | 6.22% | +1 bps | |
| Loan Growth (YoY) | 2.59% | 4.98% | 9.92% | 11.35% | 8.35% | 4.21% | 0.65% | 0.45% | -1,090 bps | |
| Share Growth (YoY) | -1.17% | 2.98% | 0.89% | 5.11% | 8.38% | 11.92% | 11.24% | 6.64% | +153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.70% | 0.61% | 0.67% | 0.85% | 1.05% | 1.07% | 1.18% | +50 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 | 12.64% | 12.18% | 11.99% | 12.49% | 12.27% | 11.79% | 11.66% | 12.05% | -44 bps | |
| Net Worth / Assets | 12.64% | 12.18% | 11.99% | 12.49% | 12.27% | 11.79% | 11.66% | 12.05% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.37% | 111.77% | 110.37% | 110.72% | 113.34% | 104.07% | 99.86% | 104.30% | -642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |