Lake Linden, MI · Charter 10099
NCUA · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
59
Profitability
25
Liquidity
67
Efficiency
5
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.
Lake Linden, MI · Charter 10099
NCUA · 2 branches
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.75% | 0.59% | -1.91% | -6.23% | -640 bps | |
| Return on Equity | 1.69% | 7.39% | 5.88% | -20.31% | -86.16% | -8,786 bps | |
| Net Interest Margin | 3.73% | 3.98% | 4.03% | 3.93% | 4.16% | +43 bps | |
| Efficiency Ratio | 76.37% | 77.40% | 86.74% | 140.29% | 221% | +14,492 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.72% | -8.95% | -5.05% | -4.51% | -5.93% | -221 bps | |
| Loan Growth (YoY) | -12.47% | -4.81% | -4.64% | -3.22% | -9.30% | +317 bps | |
| Share Growth (YoY) | -5.32% | -10.16% | -5.64% | -4.22% | -2.77% | +255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.01% | 0.07% | 0.00% | 0.60% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.66% | 10.15% | 10.10% | 9.41% | 7.24% | -242 bps | |
| Net Worth / Assets | 9.66% | 10.15% | 10.10% | 9.41% | 7.24% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.12% | 44.55% | 41.63% | 38.05% | 37.43% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Linden, MI · Charter 10099 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=56-57)
NCUA · 2 branches
Q2 2025
Return on Assets
-6.23%
Rank 57 of 57
Net Interest Margin
4.15%
Rank 14 of 57
Efficiency Ratio
222%
Rank 55 of 57
Equity / Assets
7.23%
Rank 54 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.23% | 0.08% | 0.51% | 1.15% | Beats 0% | 57 / 57 | |
| Return on Equity | -86.21% | 0.52% | 4.97% | 8.55% | Beats 0% | 57 / 57 | |
| Net Interest Margin | 4.15% | 2.62% | 3.37% | 4.06% | Beats 75% | 14 / 57 | |
| Efficiency Ratio | 222% | 69.15% | 82.03% | 92.55% | Beats 5% | 55 / 57 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.13% | 0.76% | 1.57% | Beats 59% | 24 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.24% | 9.91% | 12.06% | 17.38% | Beats 5% | 54 / 57 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.23% | 9.91% | 12.06% | 17.38% | Beats 5% | 54 / 57 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.43% | 29.97% | 50.37% | 68.26% | 26th pctl | 42 / 57 | |
| Loans / Assets | 34.63% | 26.49% | 42.88% | 59.59% | 35th pctl | 37 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||