PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Financial Plus

Flint, MI · Charter 68646

NCUA · 12 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BShares
$195.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 2 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.48% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.71%, down 17 bps from a year ago.
  • Funding: loans stand at 89.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+16 bps YoY

Efficiency Ratio (YTD, annualized)

68.58%+82 bps YoY

Net Worth / Assets

11.71%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.00%1.02%0.91%0.90%+2 bps
Return on Equity7.41%8.36%8.60%7.77%7.67%+26 bps
Net Interest Margin3.92%3.99%3.93%4.02%4.08%+16 bps
Efficiency Ratio67.76%66.71%66.74%69.57%68.58%+82 bps
Growth
Asset Growth (YoY)10.80%10.79%13.05%10.87%10.33%-47 bps
Loan Growth (YoY)19.64%20.43%16.64%11.14%11.23%-840 bps
Share Growth (YoY)8.59%9.77%13.80%10.76%10.98%+239 bps
Asset Quality
Delinquent Loans / Loans0.44%0.54%0.71%0.59%0.48%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.87%12.02%11.82%11.66%11.71%-17 bps
Net Worth / Assets11.87%12.02%11.82%11.66%11.71%-17 bps
Liquidity & Funding
Loans / Shares89.35%91.23%88.44%87.27%89.56%+21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps