Trenton, MI · Charter 8349
NCUA · 2 branches
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
37
Asset Quality
55
Profitability
82
Liquidity
45
Efficiency
84
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.
Trenton, MI · Charter 8349
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 | 1.47% | 1.42% | 1.41% | 1.40% | 1.41% | 1.39% | 1.53% | 1.61% | +20 bps | |
| Return on Equity | 14.70% | 13.70% | 13.56% | 12.97% | 12.36% | 11.91% | 13.20% | 13.37% | +40 bps | |
| Net Interest Margin | 3.73% | 3.78% | 3.77% | 3.87% | 4.03% | 4.04% | 3.95% | 4.04% | +17 bps | |
| Efficiency Ratio | 66.25% | 67.66% | 68.27% | 69.16% | 67.74% | 68.67% | 68.91% | 67.53% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 3.03% | 1.50% | -1.69% | -0.20% | 0.19% | 1.52% | 1.89% | +359 bps | |
| Loan Growth (YoY) | -0.74% | -0.23% | 0.82% | 0.82% | -1.98% | -1.35% | -3.18% | -1.62% | -245 bps | |
| Share Growth (YoY) | -1.17% | 1.50% | -0.11% | -3.11% | -1.30% | -0.98% | 0.46% | 0.36% | +347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.13% | 1.66% | 1.96% | 2.03% | 1.34% | 0.70% | 0.73% | -123 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 | 10.03% | 10.34% | 10.42% | 10.82% | 11.37% | 11.66% | 11.59% | 12.03% | +121 bps | |
| Net Worth / Assets | 10.03% | 10.34% | 10.42% | 10.82% | 11.37% | 11.66% | 11.59% | 12.03% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.22% | 40.23% | 38.67% | 39.17% | 39.95% | 40.08% | 37.27% | 38.40% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Trenton, MI · Charter 8349 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
Return on Assets
1.61%
Rank 5 of 38
Net Interest Margin
4.04%
Rank 11 of 38
Efficiency Ratio
67.56%
Rank 7 of 38
Equity / Assets
12.03%
Rank 24 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.49% | 0.78% | 1.16% | Beats 87% | 5 / 38 | ||
| Return on Equity | 13.37% | 3.91% | 6.52% | 8.43% | Beats 89% | 4 / 38 | ||
| Net Interest Margin | 4.04% | 3.41% | 3.65% | 4.18% | Beats 71% | 11 / 38 | ||
| Efficiency Ratio | 67.56% | 72.88% | 78.35% | 82.40% | Beats 84% | 7 / 38 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.36% | 0.84% | 1.47% | Beats 55% | 18 / 38 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 11.22% | 12.45% | 15.29% | Beats 37% | 24 / 38 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 11.22% | 12.45% | 15.29% | Beats 37% | 24 / 38 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.40% | 38.40% | 54.78% | 75.62% | 24th pctl | 29 / 38 | ||
| Loans / Assets | 33.51% | 32.99% | 45.72% | 63.66% | 26th pctl | 28 / 38 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||