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Chiropractic

Farmington, MI · Charter 6871

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area3

Basis

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.

Peer group

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.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chiropractic

Farmington, MI · Charter 6871

NCUA · 1 branch

Q2 2026

$41.7MAssets
$17.4MLoans
$35.5MShares
$6.2MNet 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 0.96%, up 59 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 1.97% of loans (+66 bps YoY).
  • Capital: net worth / assets of 14.97%, up 75 bps from a year ago.
  • Funding: loans stand at 48.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+51 bps YoY

Efficiency Ratio (YTD, annualized)

74.32%-990 bps YoY

Net Worth / Assets

14.97%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.48%0.62%0.83%0.96%+59 bps
Return on Equity2.61%3.35%4.20%5.54%6.39%+378 bps
Net Interest Margin2.49%2.59%2.70%2.97%3.00%+51 bps
Efficiency Ratio84.23%82.06%79.63%79.28%74.32%-990 bps
Growth
Asset Growth (YoY)2.95%2.26%4.31%1.01%0.71%-223 bps
Loan Growth (YoY)-5.13%-1.18%0.60%-1.64%-2.47%+266 bps
Share Growth (YoY)1.63%1.76%2.40%-0.42%-0.26%-189 bps
Asset Quality
Delinquent Loans / Loans1.31%0.17%0.55%0.83%1.97%+66 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 Capital14.22%14.41%14.71%15.00%14.97%+75 bps
Net Worth / Assets14.22%14.41%14.71%15.00%14.97%+75 bps
Liquidity & Funding
Loans / Shares50.00%50.86%52.34%50.08%48.90%-111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chiropractic

Farmington, MI · Charter 6871 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)

NCUA · 1 branch

Q2 2026

$41.7MAssets
$17.4MLoans
$35.5MShares
$6.2MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 71% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 12 of 38).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 34 of 38).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.96%

Rank 14 of 38

Net Interest Margin

3.00%

Rank 34 of 38

Efficiency Ratio

74.33%

Rank 12 of 38

Equity / Assets

14.97%

Rank 12 of 38

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.49%0.78%1.16%Beats 63%14 / 38
Return on Equity6.38%3.91%6.52%8.43%Beats 45%21 / 38
Net Interest Margin3.00%3.41%3.65%4.18%Beats 11%34 / 38
Efficiency Ratio74.33%72.88%78.35%82.40%Beats 71%12 / 38
Asset Quality
Nonperforming Loans / Loans1.97%0.36%0.84%1.47%Beats 13%34 / 38
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.97%11.22%12.45%15.29%Beats 68%12 / 38
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.97%11.22%12.45%15.29%Beats 68%12 / 38
Liquidity & Funding
Loans / Deposits48.90%38.40%54.78%75.62%42nd pctl22 / 38
Loans / Assets41.71%32.99%45.72%63.66%42nd pctl22 / 38
Brokered Deposits / Depositsn/aNot reported for this institution