Frankfort, MI · Charter 13355
NCUA · 1 branch
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 Grand Rapids-Wyoming-Kentwood, MI area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
4
Profitability
95
Liquidity
93
Efficiency
96
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.
Frankfort, MI · Charter 13355
NCUA · 1 branch
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 | 0.49% | 0.76% | 1.47% | 1.32% | 4.80% | 2.20% | 2.82% | 2.54% | +122 bps | |
| Return on Equity | 3.93% | 6.06% | 11.19% | 9.82% | 33.46% | 14.83% | 18.72% | 17.68% | +787 bps | |
| Net Interest Margin | 5.68% | 5.71% | 6.00% | 5.94% | 5.96% | 6.13% | 5.82% | 5.31% | -63 bps | |
| Efficiency Ratio | 73.30% | 68.22% | 60.76% | 64.85% | 62.23% | 60.27% | 56.99% | 57.92% | -694 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.46% | -3.87% | 0.36% | -0.10% | 1.12% | 0.23% | 1.87% | 10.14% | +1,024 bps | |
| Loan Growth (YoY) | -1.30% | 0.92% | -0.68% | -1.50% | -3.70% | -4.81% | -2.14% | 2.30% | +380 bps | |
| Share Growth (YoY) | -8.09% | -3.77% | -2.13% | -2.71% | -1.55% | -2.28% | -0.20% | 8.72% | +1,143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 18.26% | 6.67% | 4.39% | 5.56% | 4.37% | 4.51% | 3.83% | -56 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 | 12.38% | 12.63% | 13.12% | 13.48% | 14.35% | 14.80% | 15.05% | 14.38% | +90 bps | |
| Net Worth / Assets | 12.38% | 12.63% | 13.12% | 13.48% | 14.35% | 14.80% | 15.05% | 14.38% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.25% | 76.30% | 74.85% | 74.41% | 74.59% | 74.32% | 73.39% | 70.02% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Frankfort, MI · Charter 13355 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 1 branch
Q2 2026
Return on Assets
2.55%
Rank 1 of 24
Net Interest Margin
5.30%
Rank 2 of 24
Efficiency Ratio
58.01%
Rank 2 of 24
Equity / Assets
14.38%
Rank 10 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.55% | 0.59% | 0.96% | 1.22% | Beats 96% | 1 / 24 | ||
| Return on Equity | 17.70% | 4.08% | 7.52% | 9.09% | Beats 96% | 1 / 24 | ||
| Net Interest Margin | 5.30% | 3.56% | 3.83% | 4.19% | Beats 92% | 2 / 24 | ||
| Efficiency Ratio | 58.01% | 75.24% | 78.47% | 83.50% | Beats 96% | 2 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.83% | 0.27% | 0.41% | 0.73% | Beats 4% | 24 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.38% | 10.28% | 13.92% | 16.80% | Beats 58% | 10 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.38% | 10.28% | 13.92% | 16.80% | Beats 58% | 10 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.02% | 55.12% | 69.25% | 80.19% | 54th pctl | 11 / 24 | ||
| Loans / Assets | 59.43% | 45.19% | 59.32% | 70.04% | 54th pctl | 11 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||