Fife Lake, MI · Charter 24047
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 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
55
Asset Quality
11
Profitability
83
Liquidity
72
Efficiency
80
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.
Fife Lake, MI · Charter 24047
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 | 1.75% | 1.51% | 1.35% | 1.11% | 1.26% | 1.46% | 1.37% | 1.69% | +58 bps | |
| Return on Equity | 14.44% | 12.31% | 11.29% | 9.39% | 10.56% | 11.89% | 11.12% | 13.21% | +382 bps | |
| Net Interest Margin | 4.14% | 4.22% | 4.26% | 4.25% | 4.23% | 4.35% | 4.41% | 4.40% | +15 bps | |
| Efficiency Ratio | 59.04% | 59.05% | 63.33% | 63.19% | 63.68% | 62.80% | 67.58% | 63.53% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.35% | 12.58% | 13.87% | 13.44% | 12.25% | 12.65% | 9.96% | 6.85% | -659 bps | |
| Loan Growth (YoY) | 7.29% | 5.40% | 4.33% | 2.93% | 2.83% | 4.43% | 4.39% | 4.30% | +137 bps | |
| Share Growth (YoY) | 12.37% | 12.21% | 13.53% | 13.33% | 12.44% | 11.96% | 9.31% | 5.67% | -766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.86% | 1.36% | 1.62% | 1.66% | 1.41% | 1.47% | 1.92% | +29 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 | 12.14% | 12.24% | 11.97% | 11.81% | 11.90% | 12.29% | 12.31% | 12.76% | +95 bps | |
| Net Worth / Assets | 12.14% | 12.24% | 11.97% | 11.81% | 11.90% | 12.29% | 12.31% | 12.76% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.69% | 77.85% | 73.20% | 72.40% | 71.97% | 72.61% | 69.90% | 71.46% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fife Lake, MI · Charter 24047 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 8 branches
Q2 2026
Return on Assets
1.69%
Rank 9 of 56
Net Interest Margin
4.40%
Rank 12 of 56
Efficiency Ratio
63.53%
Rank 12 of 56
Equity / Assets
12.76%
Rank 25 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.74% | 1.15% | 1.47% | Beats 84% | 9 / 56 | ||
| Return on Equity | 13.21% | 6.40% | 9.29% | 11.51% | Beats 86% | 8 / 56 | ||
| Net Interest Margin | 4.40% | 3.40% | 3.92% | 4.36% | Beats 79% | 12 / 56 | ||
| Efficiency Ratio | 63.53% | 65.99% | 72.16% | 78.25% | Beats 80% | 12 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.92% | 0.49% | 0.84% | 1.28% | Beats 11% | 51 / 56 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.76% | 10.20% | 12.14% | 14.32% | Beats 55% | 25 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.76% | 10.20% | 12.14% | 14.32% | Beats 55% | 25 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.46% | 52.28% | 65.96% | 76.17% | 63rd pctl | 21 / 56 | ||
| Loans / Assets | 62.37% | 45.34% | 56.55% | 67.04% | 61st pctl | 22 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||