PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ukrainian Selfreliance Michigan

Warren, MI · Charter 8000

NCUA · 2 branches

Q2 2026

$140.0MAssets
$41.1MLoans
$121.4MShares
$18.9MNet 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 0.88%, up 1 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.39% of loans (-6 bps YoY).
  • Capital: net worth / assets of 13.52%, up 15 bps from a year ago.
  • Funding: loans stand at 33.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+1 bps YoY

Efficiency Ratio (YTD, annualized)

68.64%-25 bps YoY

Net Worth / Assets

13.52%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.88%0.78%0.77%0.88%+1 bps
Return on Equity6.51%6.45%5.91%5.83%6.52%+1 bps
Net Interest Margin2.54%2.55%2.47%2.49%2.55%+1 bps
Efficiency Ratio68.89%68.66%71.32%71.83%68.64%-25 bps
Growth
Asset Growth (YoY)2.26%0.96%2.76%2.94%5.02%+276 bps
Loan Growth (YoY)-2.74%-5.19%-5.76%-7.68%-9.15%-641 bps
Share Growth (YoY)0.70%-0.20%1.31%1.86%4.64%+394 bps
Asset Quality
Delinquent Loans / Loans0.44%0.04%0.32%0.06%0.39%-6 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 Capital13.36%13.68%13.27%13.26%13.52%+15 bps
Net Worth / Assets13.36%13.68%13.27%13.26%13.52%+15 bps
Liquidity & Funding
Loans / Shares38.95%38.78%36.49%34.64%33.82%-513 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps