Warren, MI · Charter 7633
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
0
Asset Quality
92
Profitability
46
Liquidity
70
Efficiency
34
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.
Warren, MI · Charter 7633
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.77% | 0.50% | 0.81% | 0.70% | -12 bps | |
| Return on Equity | 8.49% | 7.61% | 5.03% | 8.12% | 7.27% | -122 bps | |
| Net Interest Margin | 3.69% | 3.87% | 3.84% | 3.78% | 3.60% | -9 bps | |
| Efficiency Ratio | 79.40% | 81.41% | 87.77% | 79.91% | 81.85% | +245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | -4.89% | -1.03% | 1.36% | 5.00% | +665 bps | |
| Loan Growth (YoY) | -14.09% | -10.20% | -7.38% | -7.00% | -9.40% | +469 bps | |
| Share Growth (YoY) | -2.99% | -6.48% | -2.17% | 0.48% | 5.04% | +804 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.16% | 0.14% | 0.10% | 0.20% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.62% | 10.16% | 10.02% | 10.01% | 9.59% | -3 bps | |
| Net Worth / Assets | 9.62% | 10.16% | 10.02% | 10.01% | 9.59% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.58% | 54.08% | 52.38% | 49.93% | 45.35% | -723 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warren, MI · Charter 7633 · 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
0.70%
Rank 23 of 38
Net Interest Margin
3.60%
Rank 23 of 38
Efficiency Ratio
81.88%
Rank 26 of 38
Equity / Assets
9.59%
Rank 38 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.49% | 0.78% | 1.16% | Beats 39% | 23 / 38 | |
| Return on Equity | 7.26% | 3.91% | 6.52% | 8.43% | Beats 61% | 15 / 38 | |
| Net Interest Margin | 3.60% | 3.41% | 3.65% | 4.18% | Beats 39% | 23 / 38 | |
| Efficiency Ratio | 81.88% | 72.88% | 78.35% | 82.40% | Beats 34% | 26 / 38 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.36% | 0.84% | 1.47% | Beats 92% | 4 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.59% | 11.22% | 12.45% | 15.29% | Beats 0% | 38 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.59% | 11.22% | 12.45% | 15.29% | Beats 0% | 38 / 38 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.35% | 38.40% | 54.78% | 75.62% | 34th pctl | 25 / 38 | |
| Loans / Assets | 40.82% | 32.99% | 45.72% | 63.66% | 39th pctl | 23 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||