Silver Bay, MN · Charter 18473
NCUA · 8 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
71
Profitability
46
Liquidity
1
Efficiency
28
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.
Silver Bay, MN · Charter 18473
NCUA · 8 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 | 0.50% | 0.61% | 0.21% | 0.36% | 0.47% | 0.64% | 0.59% | 0.59% | +24 bps | |
| Return on Equity | 4.20% | 5.00% | 1.72% | 2.94% | 3.89% | 5.07% | 4.59% | 4.66% | +172 bps | |
| Net Interest Margin | 3.38% | 3.44% | 3.33% | 3.53% | 3.60% | 3.76% | 3.97% | 3.94% | +41 bps | |
| Efficiency Ratio | 87.11% | 84.88% | 92.04% | 90.52% | 88.49% | 84.69% | 86.42% | 85.69% | -482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 3.90% | 4.34% | 5.15% | 2.72% | 2.03% | 0.16% | 1.58% | -358 bps | |
| Loan Growth (YoY) | -0.87% | -1.56% | 2.83% | 9.74% | 14.08% | 15.27% | 10.31% | 7.70% | -204 bps | |
| Share Growth (YoY) | 3.98% | 3.86% | 4.33% | 5.37% | 2.23% | 1.27% | -0.64% | 0.85% | -452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.10% | 0.40% | 0.26% | 0.41% | 0.33% | 0.63% | 0.33% | +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 | 11.94% | 12.19% | 12.05% | 12.21% | 12.12% | 12.58% | 12.77% | 12.77% | +56 bps | |
| Net Worth / Assets | 11.94% | 12.19% | 12.05% | 12.21% | 12.12% | 12.58% | 12.77% | 12.77% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.62% | 78.77% | 80.07% | 86.03% | 87.73% | 89.67% | 88.89% | 91.87% | +585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Silver Bay, MN · Charter 18473 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.59%
Rank 1,016 of 1,683
Net Interest Margin
3.94%
Rank 727 of 1,683
Efficiency Ratio
85.68%
Rank 1,206 of 1,682
Equity / Assets
12.77%
Rank 862 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,016 / 1,683 | ||
| Return on Equity | 4.66% | 2.67% | 5.89% | 8.74% | Beats 41% | 994 / 1,681 | ||
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 727 / 1,683 | ||
| Efficiency Ratio | 85.68% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,206 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 71% | 495 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 862 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.77% | 10.44% | 12.89% | 16.53% | Beats 49% | 862 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.87% | 52.61% | 69.38% | 83.50% | 89th pctl | 177 / 1,683 | ||
| Loans / Assets | 79.60% | 44.71% | 59.18% | 70.72% | 91st pctl | 146 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||