Dowagiac, MI · Charter 21070
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
33
Asset Quality
61
Profitability
83
Liquidity
46
Efficiency
86
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.
Dowagiac, MI · Charter 21070
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 | 1.70% | 1.57% | 0.84% | 1.22% | 1.38% | 1.26% | 1.36% | 1.49% | +27 bps | |
| Return on Equity | 16.52% | 15.49% | 8.32% | 12.16% | 13.23% | 11.74% | 12.69% | 13.35% | +119 bps | |
| Net Interest Margin | 4.44% | 4.32% | 4.04% | 4.12% | 4.19% | 4.25% | 3.98% | 4.17% | +5 bps | |
| Efficiency Ratio | 52.96% | 58.44% | 62.94% | 64.64% | 64.96% | 67.15% | 67.54% | 62.62% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.14% | 0.90% | 4.65% | 12.05% | 9.70% | 5.85% | 6.64% | 1.80% | -1,025 bps | |
| Loan Growth (YoY) | 24.02% | 4.90% | -0.50% | 11.62% | 9.47% | 15.81% | 15.40% | 0.62% | -1,101 bps | |
| Share Growth (YoY) | -5.21% | -0.63% | 3.67% | 11.70% | 9.18% | 5.01% | 5.83% | 0.80% | -1,089 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.90% | 1.49% | 1.41% | 1.77% | 0.50% | 0.45% | 0.49% | -92 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 | 10.32% | 10.12% | 10.06% | 10.02% | 10.45% | 10.76% | 10.73% | 11.14% | +112 bps | |
| Net Worth / Assets | 10.32% | 10.12% | 10.06% | 10.02% | 10.45% | 10.76% | 10.73% | 11.14% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.02% | 51.14% | 48.55% | 52.88% | 53.17% | 56.40% | 52.94% | 52.78% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dowagiac, MI · Charter 21070 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.49%
Rank 250 of 1,683
Net Interest Margin
4.17%
Rank 540 of 1,683
Efficiency Ratio
62.66%
Rank 236 of 1,682
Equity / Assets
11.14%
Rank 1,120 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 250 / 1,683 | ||
| Return on Equity | 13.38% | 2.67% | 5.89% | 8.74% | Beats 95% | 81 / 1,681 | ||
| Net Interest Margin | 4.17% | 3.31% | 3.82% | 4.32% | Beats 68% | 540 / 1,683 | ||
| Efficiency Ratio | 62.66% | 68.91% | 78.20% | 86.93% | Beats 86% | 236 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 664 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,120 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,120 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.78% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,260 / 1,683 | ||
| Loans / Assets | 46.84% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,204 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||