Livonia, MI · Charter 68709
NCUA · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=41 to 42). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
80
Profitability
20
Liquidity
70
Efficiency
2
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.
Livonia, MI · Charter 68709
NCUA · 2 branches
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.51% | 0.44% | 0.06% | -3.48% | -388 bps | |
| Return on Equity | 4.52% | 5.34% | 4.67% | 0.65% | -46.76% | -5,128 bps | |
| Net Interest Margin | 3.60% | 3.80% | 3.80% | 3.72% | 3.83% | +22 bps | |
| Efficiency Ratio | 89.29% | 88.94% | 88.99% | 91.67% | 172.78% | +8,349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.56% | -1.97% | -2.71% | -1.47% | -1.65% | +191 bps | |
| Loan Growth (YoY) | -12.69% | -10.36% | -8.95% | -8.76% | -6.25% | +644 bps | |
| Share Growth (YoY) | -5.27% | -3.61% | -3.81% | -2.51% | -2.53% | +274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.50% | 0.74% | 0.56% | 0.43% | -35 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.97% | 9.49% | 9.35% | 9.12% | 7.43% | -153 bps | |
| Net Worth / Assets | 8.97% | 9.49% | 9.35% | 9.12% | 7.43% | -153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.20% | 70.07% | 68.76% | 64.82% | 64.64% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Livonia, MI · Charter 68709 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=41-42)
NCUA · 2 branches
Q2 2025
Return on Assets
-3.48%
Rank 42 of 42
Net Interest Margin
3.83%
Rank 17 of 42
Efficiency Ratio
172.74%
Rank 41 of 41
Equity / Assets
7.43%
Rank 42 of 42
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.48% | 0.30% | 0.75% | 1.13% | Beats 0% | 42 / 42 | |
| Return on Equity | -46.77% | 1.96% | 5.88% | 9.17% | Beats 0% | 42 / 42 | |
| Net Interest Margin | 3.83% | 3.11% | 3.60% | 3.99% | Beats 60% | 17 / 42 | |
| Efficiency Ratio | 172.74% | 71.95% | 79.51% | 85.05% | Beats 2% | 41 / 41 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.44% | 0.79% | 1.31% | Beats 80% | 9 / 41 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.43% | 10.33% | 12.76% | 15.25% | Beats 0% | 42 / 42 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.43% | 10.33% | 12.76% | 15.25% | Beats 0% | 42 / 42 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.64% | 38.95% | 56.93% | 73.66% | 55th pctl | 19 / 42 | |
| Loans / Assets | 58.72% | 33.90% | 50.26% | 63.96% | 64th pctl | 15 / 42 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||