Bruce Crossing, MI · Charter 24793
NCUA · 2 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
95
Asset Quality
54
Profitability
87
Liquidity
95
Efficiency
77
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.
Bruce Crossing, MI · Charter 24793
NCUA · 2 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 | 2.19% | 2.26% | 2.12% | 3.55% | 2.24% | +5 bps | |
| Return on Equity | 11.80% | 12.09% | 10.89% | 18.22% | 11.36% | -44 bps | |
| Net Interest Margin | 4.95% | 4.87% | 4.92% | 4.77% | 4.76% | -19 bps | |
| Efficiency Ratio | 61.76% | 60.05% | 60.95% | 65.22% | 65.70% | +393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | 1.35% | 2.47% | 5.83% | 5.67% | +397 bps | |
| Loan Growth (YoY) | 2.99% | 4.11% | 6.24% | 7.08% | 11.35% | +836 bps | |
| Share Growth (YoY) | -0.07% | -0.87% | 0.38% | 4.53% | 4.17% | +423 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 0.85% | 0.41% | 0.59% | 0.79% | -54 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 | 18.57% | 18.69% | 19.47% | 19.50% | 19.68% | +111 bps | |
| Net Worth / Assets | 18.57% | 18.69% | 19.47% | 19.50% | 19.68% | +111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.15% | 62.28% | 65.46% | 63.54% | 66.44% | +428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bruce Crossing, MI · Charter 24793 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
Return on Assets
2.24%
Rank 2 of 56
Net Interest Margin
4.75%
Rank 4 of 56
Efficiency Ratio
65.80%
Rank 14 of 56
Equity / Assets
19.68%
Rank 3 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.24% | 0.74% | 1.15% | 1.47% | Beats 96% | 2 / 56 | |
| Return on Equity | 11.36% | 6.40% | 9.29% | 11.51% | Beats 71% | 16 / 56 | |
| Net Interest Margin | 4.75% | 3.40% | 3.92% | 4.36% | Beats 93% | 4 / 56 | |
| Efficiency Ratio | 65.80% | 65.99% | 72.16% | 78.25% | Beats 77% | 14 / 56 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.49% | 0.84% | 1.28% | Beats 54% | 27 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.68% | 10.20% | 12.14% | 14.32% | Beats 95% | 3 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.68% | 10.20% | 12.14% | 14.32% | Beats 95% | 3 / 56 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.44% | 52.28% | 65.96% | 76.17% | 52nd pctl | 27 / 56 | |
| Loans / Assets | 53.02% | 45.34% | 56.55% | 67.04% | 38th pctl | 35 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||