Livonia, MI · Charter 68709
NCUA · 2 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.62% | 0.04% | 0.41% | 0.51% | 0.44% | 0.06% | -3.48% | -388 bps | |
| Return on Equity | 8.65% | 7.05% | 0.44% | 4.52% | 5.34% | 4.67% | 0.65% | -46.76% | -5,128 bps | |
| Net Interest Margin | 3.61% | 3.53% | 3.48% | 3.60% | 3.80% | 3.80% | 3.72% | 3.83% | +22 bps | |
| Efficiency Ratio | 82.89% | 85.30% | 93.05% | 89.29% | 88.94% | 88.99% | 91.67% | 172.78% | +8,349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.38% | -6.87% | -3.68% | -3.56% | -1.97% | -2.71% | -1.47% | -1.65% | +191 bps | |
| Loan Growth (YoY) | -5.01% | -7.32% | -9.89% | -12.69% | -10.36% | -8.95% | -8.76% | -6.25% | +644 bps | |
| Share Growth (YoY) | -8.77% | -8.50% | -5.05% | -5.27% | -3.61% | -3.81% | -2.51% | -2.53% | +274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.30% | 0.21% | 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 | 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 | 9.06% | 8.84% | 8.72% | 8.97% | 9.49% | 9.35% | 9.12% | 7.43% | -153 bps | |
| Net Worth / Assets | 9.06% | 8.84% | 8.72% | 8.97% | 9.49% | 9.35% | 9.12% | 7.43% | -153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.35% | 72.64% | 69.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |