Alma, MI · Charter 15304
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 MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
71
Profitability
56
Liquidity
10
Efficiency
34
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.
Alma, MI · Charter 15304
NCUA · 1 branch
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 1.07% | 0.99% | 0.44% | 1.11% | +28 bps | |
| Return on Equity | 8.14% | 10.39% | 9.72% | 4.64% | 11.48% | +334 bps | |
| Net Interest Margin | 4.30% | 4.24% | 4.16% | 3.72% | 3.79% | -51 bps | |
| Efficiency Ratio | 77.70% | 77.25% | 77.28% | 85.39% | 75.69% | -201 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.80% | 13.49% | 13.07% | 20.04% | 18.58% | +778 bps | |
| Loan Growth (YoY) | -9.79% | -9.38% | -5.52% | -4.23% | -3.98% | +581 bps | |
| Share Growth (YoY) | 10.95% | 13.50% | 13.27% | 20.79% | 18.34% | +739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.16% | 0.81% | 0.69% | 0.58% | +13 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 | 10.25% | 10.30% | 10.23% | 9.52% | 9.70% | -56 bps | |
| Net Worth / Assets | 10.25% | 10.30% | 10.23% | 9.52% | 9.70% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.50% | 54.10% | 52.55% | 46.64% | 45.84% | -1,066 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alma, MI · Charter 15304 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
Return on Assets
1.12%
Rank 30 of 56
Net Interest Margin
3.79%
Rank 30 of 56
Efficiency Ratio
75.71%
Rank 38 of 56
Equity / Assets
9.70%
Rank 49 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.74% | 1.15% | 1.47% | Beats 46% | 30 / 56 | |
| Return on Equity | 11.51% | 6.40% | 9.29% | 11.51% | Beats 75% | 14 / 56 | |
| Net Interest Margin | 3.79% | 3.40% | 3.92% | 4.36% | Beats 46% | 30 / 56 | |
| Efficiency Ratio | 75.71% | 65.99% | 72.16% | 78.25% | Beats 34% | 38 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.49% | 0.84% | 1.28% | Beats 71% | 17 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.70% | 10.20% | 12.14% | 14.32% | Beats 13% | 49 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.70% | 10.20% | 12.14% | 14.32% | Beats 13% | 49 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.84% | 52.28% | 65.96% | 76.17% | 13th pctl | 49 / 56 | |
| Loans / Assets | 40.79% | 45.34% | 56.55% | 67.04% | 18th pctl | 46 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||