Flint, MI · Charter 68646
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.85% | 0.72% | 0.88% | 1.00% | 1.02% | 0.91% | 0.90% | +2 bps | |
| Return on Equity | 7.69% | 6.94% | 6.11% | 7.41% | 8.36% | 8.60% | 7.77% | 7.67% | +26 bps | |
| Net Interest Margin | 3.78% | 3.77% | 3.84% | 3.92% | 3.99% | 3.93% | 4.02% | 4.08% | +16 bps | |
| Efficiency Ratio | 69.20% | 70.00% | 69.99% | 67.76% | 66.71% | 66.74% | 69.57% | 68.58% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 9.37% | 7.71% | 10.80% | 10.79% | 13.05% | 10.87% | 10.33% | -47 bps | |
| Loan Growth (YoY) | 3.65% | 7.08% | 15.09% | 19.64% | 20.43% | 16.64% | 11.14% | 11.23% | -840 bps | |
| Share Growth (YoY) | 6.42% | 7.75% | 6.56% | 8.59% | 9.77% | 13.80% | 10.76% | 10.98% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.67% | 0.50% | 0.44% | 0.54% | 0.71% | 0.59% | 0.48% | +4 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 | 12.42% | 12.30% | 11.85% | 11.87% | 12.02% | 11.82% | 11.66% | 11.71% | -17 bps | |
| Net Worth / Assets | 12.42% | 12.30% | 11.85% | 11.87% | 12.02% | 11.82% | 11.66% | 11.71% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.16% | 86.28% | 86.96% | 89.35% | 91.23% | 88.44% | 87.27% | 89.56% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |