Saint Johns, MI · Charter 20943
NCUA · 3 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 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
25
Asset Quality
62
Profitability
25
Liquidity
93
Efficiency
16
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.
Saint Johns, MI · Charter 20943
NCUA · 3 branches
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 | 1.22% | 1.00% | 0.92% | 0.71% | 0.68% | -54 bps | |
| Return on Equity | 12.41% | 9.97% | 9.18% | 7.24% | 6.66% | -574 bps | |
| Net Interest Margin | 3.58% | 3.62% | 3.65% | 3.32% | 3.50% | -8 bps | |
| Efficiency Ratio | 73.37% | 77.99% | 79.09% | 82.04% | 82.32% | +895 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.79% | 2.44% | 2.49% | 3.25% | 1.97% | -182 bps | |
| Loan Growth (YoY) | 0.66% | -4.28% | -6.23% | -7.15% | -7.15% | -781 bps | |
| Share Growth (YoY) | 3.27% | 1.31% | 1.40% | 3.19% | 1.46% | -180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.51% | 0.55% | 0.55% | 0.68% | +25 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 | 9.81% | 9.99% | 9.99% | 9.88% | 10.20% | +39 bps | |
| Net Worth / Assets | 9.81% | 9.99% | 9.99% | 9.88% | 10.20% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.68% | 68.50% | 66.33% | 61.81% | 63.76% | -592 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Johns, MI · Charter 20943 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
Return on Assets
0.68%
Rank 46 of 56
Net Interest Margin
3.50%
Rank 40 of 56
Efficiency Ratio
82.29%
Rank 48 of 56
Equity / Assets
10.20%
Rank 42 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.74% | 1.15% | 1.47% | Beats 18% | 46 / 56 | |
| Return on Equity | 6.66% | 6.40% | 9.29% | 11.51% | Beats 29% | 40 / 56 | |
| Net Interest Margin | 3.50% | 3.40% | 3.92% | 4.36% | Beats 29% | 40 / 56 | |
| Efficiency Ratio | 82.29% | 65.99% | 72.16% | 78.25% | Beats 16% | 48 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.49% | 0.84% | 1.28% | Beats 62% | 22 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.20% | 10.20% | 12.14% | 14.32% | Beats 25% | 42 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.20% | 10.20% | 12.14% | 14.32% | Beats 25% | 42 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.76% | 52.28% | 65.96% | 76.17% | 45th pctl | 31 / 56 | |
| Loans / Assets | 56.72% | 45.34% | 56.55% | 67.04% | 52nd pctl | 27 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||