Ann Arbor, MI · Charter 7126
NCUA · 1 branch
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 | 0.38% | 0.36% | -0.46% | 22.11% | 16.04% | 13.76% | -2.60% | -2.77% | -2,489 bps | |
| Return on Equity | 0.80% | 0.71% | -1.00% | 43.29% | 28.10% | 23.90% | -4.61% | -4.83% | -4,811 bps | |
| Net Interest Margin | 3.83% | 3.96% | 3.99% | 4.33% | 4.51% | 4.41% | 3.05% | 3.23% | -110 bps | |
| Efficiency Ratio | 90.16% | 91.11% | 111.33% | 106.48% | 116.67% | 119.81% | 182.88% | 184.28% | +7,780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.05% | -11.73% | -18.99% | -24.59% | -31.36% | -31.34% | -23.53% | -17.78% | +681 bps | |
| Loan Growth (YoY) | -6.34% | -13.29% | -28.28% | -29.92% | -43.09% | -52.18% | -47.87% | -51.03% | -2,111 bps | |
| Share Growth (YoY) | -21.60% | -21.53% | -21.17% | -30.38% | -43.18% | -41.46% | -37.92% | -28.48% | +190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.28% | 14.87% | 2.96% | 1.81% | 8.60% | 4.07% | 4.45% | 2.22% | +41 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 | 0.66% | 0.72% | 0.88% | 0.95% | 1.16% | 1.50% | 1.68% | 1.94% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 48.18% | 50.24% | 46.25% | 51.09% | 57.09% | 57.58% | 56.36% | 57.45% | +637 bps | |
| Net Worth / Assets | 48.18% | 50.24% | 46.25% | 51.09% | 57.09% | 57.58% | 56.36% | 57.45% | +637 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 131.21% | 130.95% | 109.40% | 124.69% | 131.44% | 106.98% | 91.87% | 85.38% | -3,931 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |