West Bloomfield, MI · Charter 7628
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
42
Asset Quality
8
Profitability
72
Liquidity
0
Efficiency
63
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.
West Bloomfield, MI · Charter 7628
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.71% | 1.62% | 1.45% | 1.37% | 1.31% | 1.18% | 1.09% | -36 bps | |
| Return on Equity | 5.33% | 6.61% | 14.85% | 12.93% | 11.80% | 11.34% | 10.02% | 9.05% | -388 bps | |
| Net Interest Margin | 4.06% | 4.09% | 3.94% | 4.04% | 4.13% | 4.17% | 4.17% | 4.03% | -1 bps | |
| Efficiency Ratio | 68.85% | 70.95% | 47.46% | 57.94% | 63.51% | 66.79% | 76.41% | 75.45% | +1,752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | 2.21% | 2.26% | 0.79% | 1.86% | 2.95% | 0.78% | 0.79% | -1 bps | |
| Loan Growth (YoY) | -25.06% | -25.13% | -21.39% | -17.74% | -5.41% | -2.08% | 1.85% | 4.23% | +2,197 bps | |
| Share Growth (YoY) | 1.21% | 1.21% | 0.62% | -0.93% | 0.21% | 1.17% | -0.01% | 0.25% | +117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.65% | 3.49% | 3.35% | 1.52% | 1.58% | 3.89% | 1.83% | 2.14% | +62 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 | 10.67% | 10.79% | 10.89% | 11.22% | 11.57% | 11.60% | 11.80% | 12.07% | +84 bps | |
| Net Worth / Assets | 10.67% | 10.79% | 10.89% | 11.22% | 11.57% | 11.60% | 11.80% | 12.07% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.74% | 18.70% | 17.59% | 17.34% | 18.63% | 18.10% | 17.91% | 18.02% | +69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Bloomfield, MI · Charter 7628 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 1 branch
Q2 2026
Return on Assets
1.09%
Rank 11 of 38
Net Interest Margin
4.03%
Rank 12 of 38
Efficiency Ratio
75.48%
Rank 15 of 38
Equity / Assets
12.07%
Rank 22 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.49% | 0.78% | 1.16% | Beats 71% | 11 / 38 | ||
| Return on Equity | 9.05% | 3.91% | 6.52% | 8.43% | Beats 76% | 9 / 38 | ||
| Net Interest Margin | 4.03% | 3.41% | 3.65% | 4.18% | Beats 68% | 12 / 38 | ||
| Efficiency Ratio | 75.48% | 72.88% | 78.35% | 82.40% | Beats 63% | 15 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.14% | 0.36% | 0.84% | 1.47% | Beats 8% | 36 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.07% | 11.22% | 12.45% | 15.29% | Beats 42% | 22 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.07% | 11.22% | 12.45% | 15.29% | Beats 42% | 22 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 18.02% | 38.40% | 54.78% | 75.62% | 5th pctl | 36 / 38 | ||
| Loans / Assets | 16.06% | 32.99% | 45.72% | 63.66% | 5th pctl | 36 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||