PackageTrendsPeer
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Advantage One

Brownstown, MI · Charter 68679

NCUA · 2 branches

Q2 2026

$268.1MAssets
$218.1MLoans
$237.1MShares
$31.6MNet 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 1.16%, down 45 bps year over year; NIM at 5.06%.
  • Asset quality: problem loans at 0.84% of loans (-89 bps YoY).
  • Capital: net worth / assets of 11.78%, up 49 bps from a year ago.
  • Funding: loans stand at 91.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%-45 bps YoY

Net Interest Margin (YTD, annualized)

5.06%+31 bps YoY

Efficiency Ratio (YTD, annualized)

68.34%+135 bps YoY

Net Worth / Assets

11.78%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.54%1.47%1.31%1.16%-45 bps
Return on Equity14.26%13.10%12.45%11.30%9.83%-443 bps
Net Interest Margin4.75%4.90%4.89%4.96%5.06%+31 bps
Efficiency Ratio66.99%67.49%68.03%68.21%68.34%+135 bps
Growth
Asset Growth (YoY)-4.11%-2.26%1.53%6.84%6.08%+1,019 bps
Loan Growth (YoY)4.21%3.55%6.52%7.57%10.40%+619 bps
Share Growth (YoY)-0.59%1.62%4.66%6.03%4.81%+540 bps
Asset Quality
Delinquent Loans / Loans1.73%1.64%1.17%0.79%0.84%-89 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 Capital11.29%11.74%11.78%11.62%11.78%+49 bps
Net Worth / Assets11.29%11.74%11.78%11.62%11.78%+49 bps
Liquidity & Funding
Loans / Shares87.31%90.41%91.28%88.58%91.97%+465 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps