Brownstown, MI · Charter 68679
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
50
Profitability
84
Liquidity
0
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Brownstown, MI · Charter 68679
NCUA · 2 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 | 1.06% | 1.08% | 1.57% | 1.61% | 1.54% | 1.47% | 1.31% | 1.16% | -45 bps | |
| Return on Equity | 10.45% | 10.23% | 14.27% | 14.26% | 13.10% | 12.45% | 11.30% | 9.83% | -443 bps | |
| Net Interest Margin | 4.02% | 4.20% | 4.67% | 4.75% | 4.90% | 4.89% | 4.96% | 5.06% | +31 bps | |
| Efficiency Ratio | 73.33% | 71.99% | 66.74% | 66.99% | 67.49% | 68.03% | 68.21% | 68.34% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.17% | -1.35% | -5.16% | -4.11% | -2.26% | 1.53% | 6.84% | 6.08% | +1,019 bps | |
| Loan Growth (YoY) | 4.31% | 4.32% | 5.53% | 4.21% | 3.55% | 6.52% | 7.57% | 10.40% | +619 bps | |
| Share Growth (YoY) | 2.55% | -2.10% | -2.28% | -0.59% | 1.62% | 4.66% | 6.03% | 4.81% | +540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.35% | 1.40% | 1.73% | 1.64% | 1.17% | 0.79% | 0.84% | -89 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 | 10.18% | 10.57% | 11.04% | 11.29% | 11.74% | 11.78% | 11.62% | 11.78% | +49 bps | |
| Net Worth / Assets | 10.18% | 10.57% | 11.04% | 11.29% | 11.74% | 11.78% | 11.62% | 11.78% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.71% | 89.69% | 87.32% | 87.31% | 90.41% | 91.28% | 88.58% | 91.97% | +465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brownstown, MI · Charter 68679 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 10 of 38
Net Interest Margin
5.06%
Rank 2 of 38
Efficiency Ratio
68.35%
Rank 8 of 38
Equity / Assets
11.78%
Rank 26 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.49% | 0.78% | 1.16% | Beats 74% | 10 / 38 | ||
| Return on Equity | 9.83% | 3.91% | 6.52% | 8.43% | Beats 84% | 6 / 38 | ||
| Net Interest Margin | 5.06% | 3.41% | 3.65% | 4.18% | Beats 95% | 2 / 38 | ||
| Efficiency Ratio | 68.35% | 72.88% | 78.35% | 82.40% | Beats 82% | 8 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.36% | 0.84% | 1.47% | Beats 50% | 20 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.78% | 11.22% | 12.45% | 15.29% | Beats 32% | 26 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.78% | 11.22% | 12.45% | 15.29% | Beats 32% | 26 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.97% | 38.40% | 54.78% | 75.62% | 95th pctl | 2 / 38 | ||
| Loans / Assets | 81.34% | 32.99% | 45.72% | 63.66% | 97th pctl | 1 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||