Warren, MI · Charter 8000
NCUA · 2 branches
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 | 0.38% | 0.46% | 0.80% | 0.87% | 0.88% | 0.78% | 0.77% | 0.88% | +1 bps | |
| Return on Equity | 2.94% | 3.57% | 6.18% | 6.51% | 6.45% | 5.91% | 5.83% | 6.52% | +1 bps | |
| Net Interest Margin | 2.11% | 2.14% | 2.44% | 2.54% | 2.55% | 2.47% | 2.49% | 2.55% | +1 bps | |
| Efficiency Ratio | 83.81% | 80.63% | 70.33% | 68.89% | 68.66% | 71.32% | 71.83% | 68.64% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | 3.35% | 4.06% | 2.26% | 0.96% | 2.76% | 2.94% | 5.02% | +276 bps | |
| Loan Growth (YoY) | 6.49% | 2.51% | -0.82% | -2.74% | -5.19% | -5.76% | -7.68% | -9.15% | -641 bps | |
| Share Growth (YoY) | 1.01% | 2.65% | 3.15% | 0.70% | -0.20% | 1.31% | 1.86% | 4.64% | +394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 1.50% | 1.08% | 0.44% | 0.04% | 0.32% | 0.06% | 0.39% | -6 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 | 12.97% | 12.84% | 12.86% | 13.36% | 13.68% | 13.27% | 13.26% | 13.52% | +15 bps | |
| Net Worth / Assets | 12.97% | 12.84% | 12.86% | 13.36% | 13.68% | 13.27% | 13.26% | 13.52% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.82% | 39.22% | 38.22% | 38.95% | 38.78% | 36.49% | 34.64% | 33.82% | -513 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |