PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Warren Municipal

Warren, MI · Charter 7633

NCUA · 1 branch

Q2 2026

$22.1MAssets
$9.0MLoans
$19.9MShares
$2.1MNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.07%0.80%0.82%0.77%0.50%0.81%0.70%-12 bps
Return on Equity12.80%11.40%8.26%8.49%7.61%5.03%8.12%7.27%-122 bps
Net Interest Margin3.72%3.86%3.71%3.69%3.87%3.84%3.78%3.60%-9 bps
Efficiency Ratio71.56%74.20%80.11%79.40%81.41%87.77%79.91%81.85%+245 bps
Growth
Asset Growth (YoY)0.44%-1.88%-1.65%-1.65%-4.89%-1.03%1.36%5.00%+665 bps
Loan Growth (YoY)-10.67%-15.27%-15.84%-14.09%-10.20%-7.38%-7.00%-9.40%+469 bps
Share Growth (YoY)-0.73%-3.32%-3.07%-2.99%-6.48%-2.17%0.48%5.04%+804 bps
Asset Quality
Delinquent Loans / Loans0.20%0.13%0.12%0.12%0.16%0.14%0.10%0.20%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.93%9.42%9.64%9.62%10.16%10.02%10.01%9.59%-3 bps
Net Worth / Assets8.93%9.42%9.64%9.62%10.16%10.02%10.01%9.59%-3 bps
Liquidity & Funding
Loans / Shares56.32%55.33%53.95%52.58%54.08%52.38%49.93%45.35%-723 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps