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 | |