PackageTrendsPeer
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Warren Municipal

Warren, MI · Charter 7633

NCUA · 1 branch

Q2 2026

$22.1MAssets
$9.0MLoans
$19.9MShares
$2.1MNet 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 0.70%, down 12 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.20% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.59%, down 3 bps from a year ago.
  • Funding: loans stand at 45.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.60%-9 bps YoY

Efficiency Ratio (quarter, annualized)

81.85%+245 bps YoY

Net Worth / Assets

9.59%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.77%0.50%0.81%0.70%-12 bps
Return on Equity8.49%7.61%5.03%8.12%7.27%-122 bps
Net Interest Margin3.69%3.87%3.84%3.78%3.60%-9 bps
Efficiency Ratio79.40%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 / Loans0.12%0.16%0.14%0.10%0.20%+8 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 Capital9.62%10.16%10.02%10.01%9.59%-3 bps
Net Worth / Assets9.62%10.16%10.02%10.01%9.59%-3 bps
Liquidity & Funding
Loans / Shares52.58%54.08%52.38%49.93%45.35%-723 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps