PackageTrendsPeer
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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