Rock, MI · Charter 21020
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 (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
8
Asset Quality
90
Profitability
31
Liquidity
0
Efficiency
43
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.
Rock, MI · Charter 21020
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 | 0.67% | 0.69% | 0.62% | 0.74% | 0.70% | 0.71% | 0.61% | 0.52% | -22 bps | |
| Return on Equity | 8.23% | 8.20% | 7.33% | 8.70% | 7.90% | 8.12% | 7.06% | 5.99% | -271 bps | |
| Net Interest Margin | 2.95% | 2.99% | 3.06% | 3.01% | 3.09% | 3.02% | 2.78% | 2.67% | -33 bps | |
| Efficiency Ratio | 77.52% | 77.06% | 79.71% | 75.50% | 77.49% | 76.71% | 78.21% | 80.62% | +512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 1.88% | 1.31% | 1.94% | -0.57% | 4.96% | 7.34% | 5.00% | +306 bps | |
| Loan Growth (YoY) | 0.33% | -1.89% | 1.64% | 8.09% | 13.08% | 11.01% | -1.59% | -1.52% | -961 bps | |
| Share Growth (YoY) | 0.18% | 1.32% | 0.64% | 1.35% | -1.41% | 4.59% | 7.23% | 4.79% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.55% | 0.91% | 0.04% | 0.04% | 0.04% | 0.78% | 0.04% | 0 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 | 1.01% | 1.01% | 0.96% | 0.89% | 0.88% | 0.91% | 0.98% | 0.90% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.10% | 8.40% | 8.51% | 8.51% | 8.85% | 8.71% | 8.62% | 8.69% | +19 bps | |
| Net Worth / Assets | 8.10% | 8.40% | 8.51% | 8.51% | 8.85% | 8.71% | 8.62% | 8.69% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.63% | 34.76% | 36.21% | 38.27% | 39.72% | 36.89% | 33.23% | 35.97% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rock, MI · Charter 21020 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.53%
Rank 1,095 of 1,683
Net Interest Margin
2.66%
Rank 1,583 of 1,683
Efficiency Ratio
80.33%
Rank 952 of 1,682
Equity / Assets
8.70%
Rank 1,542 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,095 / 1,683 | ||
| Return on Equity | 6.08% | 2.67% | 5.89% | 8.74% | Beats 52% | 806 / 1,681 | ||
| Net Interest Margin | 2.66% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,583 / 1,683 | ||
| Efficiency Ratio | 80.33% | 68.91% | 78.20% | 86.93% | Beats 43% | 952 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 166 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,542 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.70% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,542 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.96% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,550 / 1,683 | ||
| Loans / Assets | 32.80% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,508 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||