Kalamazoo, MI · Charter 24848
NCUA · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
26
Profitability
33
Liquidity
26
Efficiency
0
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.
Kalamazoo, MI · Charter 24848
NCUA · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -28.66% | 96.23% | 43.69% | 19.64% | 11.37% | -27.19% | -21.84% | -28.36% | -4,800 bps | |
| Return on Equity | -174.36% | 277% | 137.98% | 84.61% | 56.27% | -207% | -169.97% | -426% | -51,039 bps | |
| Net Interest Margin | 6.07% | 3.50% | 4.57% | 3.99% | 4.30% | 3.66% | 5.61% | 6.35% | +236 bps | |
| Efficiency Ratio | 307% | 21.77% | 36.95% | 52.24% | 60.72% | 569% | 194.50% | 219% | +16,631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.15% | 38.50% | 35.63% | 23.30% | 50.43% | -0.93% | -24.93% | -44.82% | -6,812 bps | |
| Loan Growth (YoY) | 79.84% | 65.16% | 24.41% | -20.22% | 21.74% | 27.72% | -8.10% | -15.97% | +425 bps | |
| Share Growth (YoY) | -12.69% | 32.07% | 33.56% | 17.24% | 40.62% | 24.68% | -8.11% | -33.87% | -5,110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.00% | 0.00% | 0.00% | 1.86% | 0.00% | 1.68% | 1.30% | +130 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 | 16.44% | 34.73% | 31.66% | 23.21% | 20.21% | 13.12% | 12.85% | 6.66% | -1,655 bps | |
| Net Worth / Assets | 16.44% | 34.73% | 31.66% | 23.21% | 20.21% | 13.12% | 12.85% | 6.66% | -1,655 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.38% | 75.62% | 89.89% | 69.64% | 79.97% | 77.46% | 89.90% | 88.48% | +1,884 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kalamazoo, MI · Charter 24848 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 2 branches
Q3 2025
Return on Assets
-28.37%
Rank 1,638 of 1,639
Net Interest Margin
6.33%
Rank 33 of 1,638
Efficiency Ratio
219%
Rank 1,632 of 1,637
Equity / Assets
6.71%
Rank 1,627 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -28.37% | 0.40% | 0.81% | 1.29% | Beats 0% | 1,638 / 1,639 | ||
| Return on Equity | -423% | 3.02% | 6.34% | 9.49% | Beats 0% | 1,637 / 1,638 | ||
| Net Interest Margin | 6.33% | 3.27% | 3.83% | 4.38% | Beats 98% | 33 / 1,638 | ||
| Efficiency Ratio | 219% | 67.38% | 76.32% | 84.73% | Beats 0% | 1,632 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.28% | 0.27% | 0.68% | 1.33% | Beats 26% | 1,206 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.66% | 10.38% | 12.80% | 16.53% | Beats 1% | 1,627 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.71% | 10.39% | 12.80% | 16.53% | Beats 1% | 1,627 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.48% | 55.01% | 72.16% | 85.44% | 81st pctl | 319 / 1,638 | ||
| Loans / Assets | 76.76% | 46.69% | 60.81% | 72.42% | 84th pctl | 267 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||